September 30th, 2005



Next weekend is going to be busy. One of the things I will be doing with my guests is a "day trip to Vancouver, Canada." But, we don't exactly know what we're going to do there. Anyone got any ideas for Vancouver in specific? Thanks.

I can't think of a good title.

I shocked two customer service representatives this morning by calling any asking them to lower the available credit on my credit cards. For one, I dropped it from $25K to $5K. The other, I dropped it from $15K to $5K and asked to be pulled out of the automatic limit increase program. (What an insidious thing!) I was very polite and had to explain to both that the very high open credit limit on my cards was messing up my credit rating.

You see, when someone pulls your credit rating, it looks at everything, including:
• How much debt you already have.
• What you repayment rate has been like over the last year.
• How much more debt could you get yourself into - which is how much credit to you have available on ALL major credit cards, all store credit cards and lines of credit in your name - whether you use them or not.

One of the best things you can do to improve your credit rating is to close all store credit cards and keep only two major credit cards that you pay off on a regular basis.

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