AstroZomby,Welcome to the board.A - These cards are for suckers and desperate people. I think anything over 20% should be illegal, but evidently it's not. That's why people on this board feel some CC companies are predatory in nature.B - I would write directy to Experian and dispute this. They will write to your creditor and ask for verification. I believe you can also do this on Experian's website.C - I also wanted to close my paid off Capital One card, because they weren't consumer friendly. I decided to keep it open for a while to show available credit that I wasn't using. I will probably do the same with my FUSA when I get it paid off. I'm still dying to close them, but at least they won't be getting any more of my money.D - You may also be able to clear this up on Experian's website.Bret
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