Credit Line Slashing

[FinStar]

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@Revelate wrote:
BBS: there are also plenty of people who get a late or other thing tacked on and nothing happens. I know personal anecdotes aren’t worth much but no lender has blinked in the course of my credit history for all the stupid things that have happened to my credit.

I’m not sure your 99% is really reality honestly as it is more than a single factor that is being looked at.

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I would agree, given that this is only relying on a fairly limited sample and not taking into account any other statistical factors. 

[Anonymous]

Rev, I never said anything about people who get a late and nothing happens. The discussion was about what the catalyst was for people receiving AA. The vast majority of the time it's for negative cr information being introduced. Using your spin on it, though, if we're going to say that there are people that have negative info introduced that don't get AA there are then far more people that introduce high utilization that don't get AA as a relative factor.