I have another question, I didn't know what UD stood for and I looked it up (Universal Default). I think I've had that happen to me several times. When I got a reposession on my credit that I have since had removed, three of my credit cards suffered a CL decrease and APR increase. They really haven't rebounded much if at all since it got removed. I think all that has happened is two of my APRs went from like 15.4 to 14.9 but the used to be in the high 12s low 13s. Is this something I can fight seeing as what ever caused this to happen has been removed? Is this a UD or something else?
Sorry OP for the hijack. 
Message Edited by berraco58 on 12-10-2007 07:02 AM