You think this is unique to your banks? Ours are the same. I'm puzzled by the Obama connection. I know you connect almost every problem, past and present, to Obama but this one has me curious...
-----Original Message----- From: [email protected] [mailto:[email protected]] On Behalf Of Michael Madigan Sent: Wednesday, 25 February 2009 6:32 AM To: ProFox Email List Subject: Re: [OT] Fighting your credit report blotches If I'm late one day I get charged a $35.00 late fee. If I'm one penny over my credit limit, I get charged a $35.00 over-credit limit. If I bounce a $1.00 check, I get charged a $30.00 insufficient funds charge. Is it any wonder why the banks funded the Obama campaign? ************************************************* 1/20/2013 Eviction Notice http://www.cafepress.com/rightwingmike/6169336 --- On Tue, 2/24/09, Vince Teachout <[email protected]> wrote: > From: Vince Teachout <[email protected]> > Subject: Re: [OT] Fighting your credit report blotches > To: "ProFox Email List" <[email protected]> > Date: Tuesday, February 24, 2009, 2:32 PM > Michael Madigan wrote: > > If you've been denied credit or your rate has > changed due to a change in credit, you should be able to get > a copy of that bureau's credit report on you for free. > > > Oh, duh! I had meant to mention that. Michael is right. > > Further, although you're limited to one free "no > questions asked" report > per year, you are allowed to have a free report no matter > what, if the > Credit bureau's info was a factor in your being > declined for credit. > i.e., every time you're turned down, you have the right > to a new free > report from the agency(s) furnishing the data. > > Also, regarding your limits being lowered - that's > happening to nearly > everyone. AmEx was the first, and worst, offender, but 2 > of my other > banks did the same thing. It will cause a sudden drop in > your FICO > score (because now your using a larger percentage of your > limit), but > should quickly rebound, providing you keep paying down your > balance. > > In the long run, it's actually helpful, because you > won't have as large > of an outstanding balance, nor as large of a potential > balance. > > Can't wait until 2010 when the new regulations go in > effect. Funny how > banks can instantly raise our rates, and make contractual > changes, but > require more than a year to make a change like > "Payment is applied to > balance with highest rate first." Maybe they should > hire more VFP > programmers. :-) > > > _______________________________________________ > Post Messages to: [email protected] > Subscription Maintenance: > http://leafe.com/mailman/listinfo/profox > OT-free version of this list: > http://leafe.com/mailman/listinfo/profoxtech > Searchable Archive: http://leafe.com/archives/search/profox > This message: > http://leafe.com/archives/byMID/profox/[email protected] > ** All postings, unless explicitly stated otherwise, are > the opinions of the author, and do not constitute legal or > medical advice. This statement is added to the messages for > those lawyers who are too stupid to see the obvious. [excessive quoting removed by server] _______________________________________________ Post Messages to: [email protected] Subscription Maintenance: http://leafe.com/mailman/listinfo/profox OT-free version of this list: http://leafe.com/mailman/listinfo/profoxtech Searchable Archive: http://leafe.com/archives/search/profox This message: http://leafe.com/archives/byMID/profox/[email protected] ** All postings, unless explicitly stated otherwise, are the opinions of the author, and do not constitute legal or medical advice. This statement is added to the messages for those lawyers who are too stupid to see the obvious.
