Byrdman,
The craziest thing is, if it is not utilization then what could it be? I have not had a late in over a year, the one that I did have was from 2006 and it was an oversight because we moved and bill got mixed up in the mail.
DH & I together have about $8k total in mixed debt, one car loan and one van loan. They are not late and neither are the mixed debt payments. A lot of IIB accounts have dropped off, so I am wondering if those affected me, but they are 7 yrs old. I don't know.
Hearts
I can and will be a part of the 700 club this year, because I can do all things through Christ.