Credit limits decreased!

[Anonymous]

You think FICO is a problem? Negatives only stay on your CBR's/FICO for ten years. In most states a judgment can be renewed so it can effectively dog you for the rest of your days. Also, thanks to the constitution, judgments can also follow you from state to state. So good luck having a life when you decide to exercise your prerogative not to pay.

[Anonymous]

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FinickyFico wrote:
One more thing, what about the company that called me and said they were raising everyone's % across the board 3%? Had nothing to do with anytimg I did and they didn't run a cc. Now, do I cancel and take the util hit or pay the higher %?

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If you elect to "opt out" of the rate increase you will not take a "UTIL hit." The CL of a closed account is included in the UTIL calculation as long as the account reflects a balance.

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FinickyFico wrote:
These are things that effect fico and future purchases. They shouldn't. Should be outlawed.

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Did you read the contract before you used the card? You expressly granted the issuer to raise your APR unilaterally.

[Anonymous]

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@Anonymous wrote:
You think FICO is a problem? Negatives only stay on your CBR's/FICO for ten years. In most states a judgment can be renewed so it can effectively dog you for the rest of your days. Also, thanks to the constitution, judgments can also follow you from state to state. So good luck having a life when you decide to exercise your prerogative not to pay.

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Have you took the time to digest anything I posted? Quit trying to scare the noobs. Nothing will happen if you don't pay except another tax payer bailout to the ccc.

With over 4000 posts you have to work for the industry to continue your scare tactics. Nothing will happen to me or anyone else if I or they don't pay except bad credit.

In my case I don't have bad credit. If you could understand English, I have always paid. It is the industry pissing me off that is making me not want to.

Work on your sales pitch. It sucks.

[Anonymous]

Sorry I can't quote your last post. Too complicated on phone. Who really reads the terms of contract while filling it out n the mall? Don't say you do, swami.

Did you read the license agreement of every software and download you ever used? Be honest. I'll bet you didn't, because I bet you don't even know it's there.

I like hanging out with people. I love people. I have dnner with people. Never ate with a ccc or a fico. Have a lonely life.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
You think FICO is a problem? Negatives only stay on your CBR's/FICO for ten years. In most states a judgment can be renewed so it can effectively dog you for the rest of your days. Also, thanks to the constitution, judgments can also follow you from state to state. So good luck having a life when you decide to exercise your prerogative not to pay.

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Have you took the time to digest anything I posted? Quit trying to scare the noobs. Nothing will happen if you don't pay except another tax payer bailout to the ccc.

With over 4000 posts you have to work for the industry to continue your scare tactics. Nothing will happen to me or anyone else if I or they don't pay except bad credit.

In my case I don't have bad credit. If you could understand English, I have always paid. It is the industry pissing me off that is making me not want to.

Work on your sales pitch. It sucks.

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While in most states judgments can be renewed, virtually no state allows it to be renewed indefinitely.

I wouldn't go so far as to say nothing will happen.  Depending on the amount, the creditor and the creditor's perception of the cost effectiveness of legal action, they can -- and often do -- sue.  Granted, there are steps one can sometimes take to render themself "judgment-proof," but it's not everybody who can do it successfully.  For example, if one works for an employer it might be difficult to avoid wage attachments (although there are legal tricks you can use to nullify the consequences of garnishment).   

[Anonymous]

Months ago, right after the ccc ripped off America's taxs payers, I was so mad I decided to get in on the bailout. I went to my best friend who happens to be a lawyer and he said "just walk away and settle later".

I owed $90k then. I took money from a retirement fund and got it to $60k. Took money out of my pocket and got it to $40k. Deduct my truck of $10k and cycle of $5.5k and I don't owe **bleep** based on my income.

It is how I'm treated that makes me say "take the rest out of my taxes thieves".

How anyone can defend these people is beyond me. Guess you can justify the holocuast.

[Anonymous]

Twenty years + a renewal is the rest of my days...

[Anonymous]

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@Anonymous wrote:
Twenty years + a renewal is the rest of my days...

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What does that mean future prez of Citigrp?

At least hide your loyalty a little bit. Did you read, comprehend or check out the chart I posted before you bathered on about me abusing my credit?

[Anonymous]

I get it now. The pundits say carry a zero balance and you will keep a high Fico score. I get it.

Then why have ccc and fico scores if people are paying cash? I hate people that suck into the system.

[Anonymous]

Creditwherecreditisdue,

could you answer my question about you reading every license on your computer