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Speaking of your credit recently, has this happened to you?
You open up your credit card statement and your shocked to see that your credit limit has been reduced to what you currently owe! Or worse, your American Express card was just declined due to your credit limit being limited (and you thought AMEX didn't have a limit).
As the economy continues to slide off a proverbial cliff, credit card companies/banks are looking at record default and bankruptcy.  Their taking swift action to shore up their losses, and they may end up doing it at the consumers expense.
Credit Reporting has become a science, and the "evil" empire, Transunion, Experian and Equifax have created companies that have created the current system that banks use to analyze risk. You most likely have a credit score, and unless you live under a rock you know that having a 700 plus score now days is a must.  The problem is there are several scores that the your are not privy to, and these scores are where the credit card companies are ambushing their clients.
The first culprit is called the Bankruptcy score.  This score evaluates the likely hood of any of their clients risk of falling into bankruptcy.  With over a million bankruptcy's in ... more

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