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Quote: Mine does - and so does DH's. I dont know why yours isnt. I have our reports sitting in front of me and am starting right at 'em. Hmmm..... Wonder if its only certain banks that report them then? if thats the case...looks like I'm going to be calling my bank and asking WHY...

Quote: I was the OP LOL! I hear ya Urban..I hear ya... *scoots over to save ya a seat* DH was just saying wouldnt it be nice to call them up and say "Hey..know what... I dont like my current rate, so I'm changing it...yep - you heard me.. here's my notice to you!" He did fire off 3...

Oh yeah.. I forgot to mention when someone else talked about Debit cards. for those that may not know - each one you have IS on your credit record - it is recorded as a credit card - in case you didnt know. Not in the "traditional sense" with a "balance and minimum payment" but it IS there...

Opie & Urban: I didnt use my card for "fancy things" - car repair or house repair isnt IMO "fancy things" - and in others defense - some people unfortunately have to use their credit cards on occassion to purchase food and/or medicine when the paychecks just dont stretch far enough. I'd...

sometimes that is easier said than done Urban.... I agree with you for the most part..however - sometimes its just not that easy when a car breaks down or your house has something wrong with it that costs thousands of dollars and you either wipe out your savings - or you opt to put it on a...

deerman. yeah...it affects your score... but.. the way I see it... me paying outrageous % rates is worse. Scores can be made higher...money cant be given back once handed over 6 months time - your score will be back to what it used to be. Dumbest thing I've ever heard though... close an...

OMG! and here I thought 14.99 was horrible! I'd start digging graves if I paid 18.9 and 21% interest on anything....ever - regardless if I paid it off every month or not. Is that the standard rate now a days? As you can tell, I havent applied for a credit card in years. I refuse to pay...

So basically Mayberry.. dont use that card..or your rates will change. Consider yourself lucky my friend...

Quote: Ours did the opposite - ours decreased...however.. I just got a notification yesterday from our County Tax Assessment office that our house for the SECOND YEAR in a row has gone down another $8K in value!! I dont believe it for one second....we bought this house when the market was on...

Quote: If I were you, I'd start bank shopping now I am going to go back and re-read my documentation...if I can find my magnifying glass...:-) Not sure if they can change it or not on these Life of Loan offers...if they do I will never do business with the entities again. To raise rates...

There was no option to refuse the rate increase...the option was this: if you refuse the rate increase - they close your account down at the previous rate increase... its either accept the new terms..or close the account - period.

Quote: If I were you, I'd start bank shopping now You'd better call and check.... bet ya the rates are goin up!

Quote: Ours did the opposite - ours decreased...however.. I just got a notification yesterday from our County Tax Assessment office that our house for the SECOND YEAR in a row has gone down another $8K in value!! I dont believe it for one second....we bought this house when the market was on...

We NEVER received notification....I asked when they sent it they said "4 December" I asked HOW ....he first said.."In the statement" NOPE I have 6 mos of statements..not there. Then he said "Maybe separately?" NOPE Never got it...what address do you have? Right address... I never got...

Okay... normally I am SO not one to rant off and spew but THIS MORNING... OMFREAKING GOD! I AM SO ANGRY RIGHT NOW I COULD LITERALLY SMACK SOMEONE! I've had my credit card with Citibank for 5 years now...it was LOCKED IN at 7.9% - never late...have paid it off many times over - just now went...