Credit cards are wonderful if you know how to play the game and win. I pay the balance in full every month and have not paid any interest on a credit card in decades. I mainly use my Discover card and get cash back. Everytime my cash back balance gets up to $20 I have them apply it to my account as a credit.
Elsewhere, when you pulled your credit report did you also get your credit score? On the cards you do have open are your balances near your credit limit? If so, that will pull your score down a lot. The more of your available credit you have in use on revolving accounts, the lower your score.
Send that letter in and see what their explanation is. As someone else pointed out it is possible they just made a mistake and looked at someone else's credit.
Back when I first got my Discover card my credit limit was about $8000 and my first month's bill was about $850. The bank reported to the credit bureau that my credit limit was $850 - the same as my outstanding balance. So it looked like I was maxed out. That dropped my credit score like a rock. Once I got the error corrected the score went right back up where it was.
An individual bank/company could use their own records if you have done business with them before but they should not be able to tell from your credit report or score that you have not been paying any interest.
I read a quote similar to the following several years ago that really says it all:
People that understand interest, EARN interest.
People that do not understand interest, PAY interest.
MeneMene
JoinedPosts by MeneMene
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Is it possible to be declined credit for having credit that is too good?
by Elsewhere inthe other day i was making substantial purchase and wanted to take advantage of the advertised "12 months no interest" deal.
i have excellent credit, however my application was denied.
the girl at the checkout couldn't tell me why, only that it was denied.
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MeneMene
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WTS still an NGO in US?
by ICBehindtheCurtain inhi all: i came across something very interesting, in looking at this pdf there is a list of ngo's that attended for some conference on anti-semitism and guess who is on there?
if you scroll down you will find that in belgium the wts (under their european christian jehovah's witness umbrella) but if you scroll down to the us section you will find that they show up as the watchtower bible and tract society of pennsylvania, so apparently as of 2005 when this conference was held, they were still an ngo, does anyone else know about this?.
http://osce.usmission.gov/cordoba/cordoba_ngos.pdf.
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MeneMene
OSCE = "The Organization for Security and Cooperation in Europe consists of 55 nations, including the nations of Europe and Eurasia, and the United States and Canada."
I think this is a different organization than the U.N. (At least a brief search found no obvious link or perhaps I missed it.)
While they may no longer be an NGO to the UN, apparently they are still aligning themselves with other political (religious?) organizations as a non-government organization. -
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Pressure to conform from his wife's congregation; Part 2
by OnTheWayOut inthis is what was said in part 1 of this thread: http://www.jehovahs-witness.com/6/125918/1.ashx.
so this guy i see occasionally at work (he's a traveling .
representative and passes thru now and then) is really easy.
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MeneMene
Sounds like you have helped him a lot.
Does he know about freeminds.org & silentlambs.org? Barbara Anderson's story that is on freeminds is very good. Maybe that would be something to make his wife think. He could print it out and leave it where she could find it. -
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Tomorrows World - Sister Religion to Jehovahs Witnesses?
by lostlantern inhttp://www.tomorrowsworld.org/welcome.shtml.
my husband and i watched a sermon today and it was eerily familiar, very weird.
go to this website and look at their magazines, twins i swear!
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MeneMene
There is a scathing letter Armstrong wrote to Roderick Meredith March 14, 1980 at www.servantsnews.com/docs/merlet02.htm
I read the first sections of Meredith's booklet on tithing and that's enough for me. Just another money grabbing cult. -
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Why are angels always white?
by slimboyfat inin pictures of conventions or the new system they tend to show a mixture of races, but the angels always seem to be white.
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slim.
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MeneMene
"All silver-haired white dudes..."
And look in the picture - everyone of them has a white Beard! -
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"Unofficial" disfellowshipping?
by Rethinking inhave any of you or anyone you know been "unofficially" disfellowshipped?
or has anyone on here who is/ was an elder "unofficially" disfellowshipped anyone?
for lack of a better term.
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MeneMene
In 1985 my elder father and the rest of the JW family did their unofficial DF when my male friend moved into my home with me.
The relationship only lasted about a year and once he moved out the shunning stopped and everything went back to 'normal'.
They still try to get me to watch their WT videos and try to give me the mags occasionally but I have always declined. They haven't pushed going to the meetings in a very long time. I told my mother about 15 years ago she was brainwashed by the WTS. She still talked to me.
They have not shunned others in the family that have been DFed so they are a little more liberal in their old age than many I read about here. -
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Do you like being a parent or grandparent better?
by avidbiblereader ini would have never thought that i would like being grandfather but i enjoy it more than being a parent, anyone else feel the same way?.
oh, by the way, my darlings are my new avatar, it is so fun being a grandfather and seeing the next generation come along, anyone else feel this way?.
abr.
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MeneMene
Grandparent - I have so enjoyed my grandson. I am more relaxed and have the time to just have fun with him. We have gone bicycling, made day trips to the Aquarium, to Callaway Gardens & the butterfly house. When he was 5 we were on a day trip, I gave him the map and showed him where we were and where we were going. I told him he could be our navigator.
A little while later he told me he was our 'gator'. -
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Query about how they work their numbers
by LaniB insince i have never officially disassociated myself but became inactive and just drifted away does that mean they still count me as one of their numbers in each year book?.
hmmm, never thought of it that way.
if so i am off to write my disassociated letter, but i did think how funny it would be if everyone who was like me suddenly opted out at once and they still counted us until then.
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MeneMene
I believe those numbers are just 'active' publishers that are turning in field service time.
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update on my divorce situation
by depressed ini'm shocked!
if you remember my experience, in a nutshell, basically my ex-bethelite ex pioneer husband cheated on me with an older "worldly woman" from his job and left me suddenly.
i had no idea that we had trouble with our marriage, however, when i discovered the love letters from the other woman, he moved out, and a week after that, i received divorce papers.
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MeneMene
With a PO father, a pioneer mother and a Gilead sister I'm afraid he is pretty much 'teflon coated'.
Their attitude thus far should tell you they have no interest in taking any action other than protecting him.
Your anger is understandable but it's probably time to let it and him go.
Go for a hike - climb a mountain - work out that anger. It is a wonderful & beautiful world out there. -
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just to introduce myself
by alotlikemay init's been a long time since i was in the 'truth' .
took a long long time to rehabilitate and among one of the things i had to do was learn to make friends.
anyway, maybe will make more friends here, time will tell .
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MeneMene
Welcome to the board. I left the WTS close to 30 years ago. I find I still have a problem getting close to people especially now that I am retired. I am again feeling the issues with social skills.
There is a singles group in my community but I haven't gotten up the nerve yet to join in.
I just found this board last year. I hope you enjoy it as much as I have.