Pretty sure my credit score sucks balls, based on recent experiences with my CC companies.
I had some credit card debt in college that I was unwise about, it wasn't very much and I ended paying it off a couple years ago but I think that screwed me a bit.
I pay my student loans regularly.
Since then, I have two credit cards with a low limit that I try to use about once a month and pay it off on time, but ran into some skirmishes in March or April because even though they were both balanced, my credit card company charges an annual fee (does anybody elses companies do this? I understand if I got points or benefits but I don't think I do...) that I was unaware of. I didn't check my balance for a month so I got hit with a late fee too. I know, I know I should have checked, but 20/20 in hindsight, and as far as I knew I was being a good consumer.
I inquired for a credit limit just for kicks and was shot down over the phone, and they said they're sending an "explanation" in the mail (which I won't be able to read for a couple months). I believe under the Fair Credit Reporting Act that should be a credit report, but I'm not sure.
I haven't gotten a credit report for years, though. I am kinda bewildered it doesn't have your actual score on it. What's the point of a credit report then?
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