Okay..I just need to complain and let it out.
I always pay my bills on time....not a single late payment on my credit report. I've had 3 credit accounts closed on me for crap reasons.
First--I have no idea and when I called they said they'd send a letter, but I didnt get one.
Second was because I have not charged anything in a long time.
Third--this one is the icing on the cake. It was my overdraft protection on my checking account. It was closed because I hadn't bounced any checks...OMG--they would rather I not have overdraft protection so they could charge the higher fee-the overdraft fee
is the only thing i can think of.
Now-I pay for credit monitoring...I received an alert today saying that I had a collections account. I immediately called the company and they said it was for mail order CDs. I have never ever been a member of something like that. I always purchase all of my music from itunes and have for years. They told me i could dispute it and they asked if i received a bill and my reply was "no" and they said "oh well most customers dont realize its a bill because it looks like junk mail".......DUH---there is your first problem!!!! Who actually really opens all of their junk mail?? Anyway, I will most definately dispute it, but in the meanwhile it sits on my credit report and gives my creditors a reason to hike up interest rates, deny me credit, etc. To fight it-it will cost hundreds...its my word against theirs.
I just give up on trying to maintain good credit...