Well, I guess knocking on wood doesn't help.
For some reason, I decided to call Bloomingdales to check my CL. I was surprised when the automated voice told me my CL was only $200. Appearantly it went from $2300 to $200 within the past day or so.
I called them and was directed to call the "New Accounts Department" at 800-950-0339. That department was closed and they told me to call back tomorrow, but the front line CSR said that there was a change in my "negative outside credit info" that led to the CLD. So, I'll call tomorrow.
I opened this in September, 2007. I started with an EX FICO of 640 or so and the other two scores have climbed into the low 700s since then. EX was always my stronger score and expect that is the case now. There was nothing new on my CR other than lower util. Now I was in a wrangle with my only baddie, a redeemed repo. They corrected TU and EQ, but they just reported a 2nd repo to the acct one month after the first (only repo'ed once). Maybe that has something to do with it.
I did pull EX directly from EX and everything looks great. The only soft from Bloomingdales I had was in November. In total, I spent about $1000 since the beginning at Bloomingdales with the latest purchase last month for $100. My current balance is a credit of about $1.
Check your DSNB accts.
Message Edited by llecs on 06-14-2009 08:16 PM