3 of 5 GE CLI!

[09Lexie]

That is so odd with PayPal! Are the reasons the same? Can't be time with CL.

I'm trying to wake up..can I use the excuse that I'm on meds?

[tcbofade]

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@09Lexie wrote:
That is so odd with PayPal! Are the reasons the same? Can't be time with CL.

I'm trying to wake up..can I use the excuse that I'm on meds?

---

Oddly enough, this whole exercise started with me being frustrated in a wallymart while waiting for them to fill a prescription for DW's meds...

Nice "full circle" there. 

[tcbofade]

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@09Lexie wrote:
That is so odd with PayPal! Are the reasons the same? Can't be time with CL.

I'm trying to wake up..can I use the excuse that I'm on meds?

---

To be honest, I hadn't requested a CLI since July of 2012, and I simply don't remember the reasons.

Looks like I'll be getting a new letter to refresh my memory tho...

[09Lexie]

At least I made you smile.

[shakalaka]

Congrats

[tcbofade]

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@zerobacan wrote:

Was it online using the luv button?

if so, try call ge money solutions... shoot for they sky and they will be really nice to you...

---

Nope.

Still a "no".

Now I guess I'll get TWO letters... 

[tcbofade]

Got my letters in yesterdays mail...

Amazon said no because....

     Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high.

     Length of time revolving accounts have been established.

     Proportion of loan balances to loan amounts is too high.

     Too many consumer finance company accounts.

credit score : 634

Date: February 14, 2013

Paypal said no because...

     Used too much of your credit limit in the last 6 months.

     Percentage of times with no purchase activity over last 12 months on this account.

     Number of months this account has been open is too low.

     Amount of payments compared to balance over the last 12 months on this account was too low.

credit score: 668

Date: May 16, 2013

[tcbofade]

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@tcbofade wrote:

Got my letters in yesterdays mail...

Amazon said no because....

     Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high.

     Length of time revolving accounts have been established.

     Proportion of loan balances to loan amounts is too high.

     Too many consumer finance company accounts.

credit score : 634

Date: February 14, 2013

---

Item number one...they're correct.  overall util 60.06% as of 27 May.

Item number two...my last "new" revolving account is more than one year old, my oldest is nearly six years old.

Item number three...hmmm, they may be correct again.  I've got one car loan nearly paid off, but one is still pretty new.

Item number four... "Too many consumer finance accounts".  Really?  Zero is too many?

[tcbofade]

---

@tcbofade wrote:

Got my letters in yesterdays mail...

Paypal said no because...

     Used too much of your credit limit in the last 6 months.

     Percentage of times with no purchase activity over last 12 months on this account.

     Number of months this account has been open is too low.

     Amount of payments compared to balance over the last 12 months on this account was too low.

credit score: 668

Date: May 16, 2013

---

Item number one...really?  I've never heard of this being an issue.

Item number two....yeah, well....I can't be using it too much if I've already used too much of my credit limit, now can I?

Item number three...account opened in January of 2012.  I'm throwing the BS flag on this one.

Item number four...true.  Isnt that the point of zero percent interest?

[tcbofade]

...and why would they use February's score for one, but May's for the other?

I'm confused.