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Hi AJ. MANY thanks for the replies 🙂

I asked for the increase to see if they would give me any information on why I would be denied.

I'm not sure that I care about the FICO, since I don't plan to apply for any loans. It's been a non issue for me for more than 10 years. (And yes, I consider myself very fortunate!)

The credit reporting agencies don't get information about deposits, etc, but they DO get information about overdrawn accounts and fees etc, yes? Therefore, they know I do not over draw my account.

And, FICO=SCAM because the "rules" are set up to "punish" individuals. The credit agencies exist to support the finance industry.

Which brings the thread back to the 30% rule. This is apparently a rule of thumb used by industry to increase interest rates on individuals. Ie get individuals into debt structures from which they cannot escape.

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