wherein something is VERY WRONG with Liz's credit card account

Today, along with my credit card bill, I got a letter saying that the company had hired another company (Trans Union Corporation) to review their accounts, and based on their findings, my credit limit had been reduced from $1,400 to $300, effective immediately.

WTF???

I pay my bills on time and in full every month. (The one and only time I let something ride, I paid the balance and interest in full the next month, when my cash flow had straightened itself out.) I pay my rent and electric bills on time and in full every month and always have. I have no student loans, no mortage, no car lease, nor any other form of outstanding debt.

And I do often use more than $300 of credit in a month, especially if I happen to be renting a car, which is the entire reason I got a credit card in the first place. (You cannot rent cars with a debit card. I think this is unspeakably stupid, but I don't make the rules.)

So I repeat: WTF?

They gave me the address of the company that made the recommendation. I am apparently entitled to a free copy of their findings if I ask within 60 days of receiving the letter, and I am also entitled to contest their findings if they are, you know, completely fucking nuts. So I am doing that.

The relevent section of the letter is, and I quote:

"Our decision to decrease your credit limit was based in whole or in part on information provided by Trans Union Corporation, a consumer reporting agency. The primary reasons provided by Trans Union Corporation which impacted our decision were:

Length of time accounts have been established
Too few accounts currently paid as agreed"

Since I only have one credit card account, which I have had for a year and a half now, and since I always pay 'as agreed,' I have a terrible feeling somebody may have applied for credit cards in my name and run up huge unpaid bills, and I may be in for a hell of a fight establishing my identity and disentangling myself from whatever morass some fucking bastard may have dropped me into.

...

My mom is visiting this weekend. You know what I am going to do while I have access to her car? I am going to buy a paper shredder.

(Yes, there may be a more innocent explanation, but I can't think of one offhand, and I figure it's best to prepare for the worst.)

wherein something is VERY WRONG with Liz's credit card account

Today, along with my credit card bill, I got a letter saying that the company had hired another company (Trans Union Corporation) to review their accounts, and based on their findings, my credit limit had been reduced from $1,400 to $300, effective immediately.

WTF???

I pay my bills on time and in full every month. (The one and only time I let something ride, I paid the balance and interest in full the next month, when my cash flow had straightened itself out.) I pay my rent and electric bills on time and in full every month and always have. I have no student loans, no mortage, no car lease, nor any other form of outstanding debt.

And I do often use more than $300 of credit in a month, especially if I happen to be renting a car, which is the entire reason I got a credit card in the first place. (You cannot rent cars with a debit card. I think this is unspeakably stupid, but I don't make the rules.)

So I repeat: WTF?

They gave me the address of the company that made the recommendation. I am apparently entitled to a free copy of their findings if I ask within 60 days of receiving the letter, and I am also entitled to contest their findings if they are, you know, completely fucking nuts. So I am doing that.

The relevent section of the letter is, and I quote:

"Our decision to decrease your credit limit was based in whole or in part on information provided by Trans Union Corporation, a consumer reporting agency. The primary reasons provided by Trans Union Corporation which impacted our decision were:

Length of time accounts have been established
Too few accounts currently paid as agreed"

Since I only have one credit card account, which I have had for a year and a half now, and since I always pay 'as agreed,' I have a terrible feeling somebody may have applied for credit cards in my name and run up huge unpaid bills, and I may be in for a hell of a fight establishing my identity and disentangling myself from whatever morass some fucking bastard may have dropped me into.

...

My mom is visiting this weekend. You know what I am going to do while I have access to her car? I am going to buy a paper shredder.

(Yes, there may be a more innocent explanation, but I can't think of one offhand, and I figure it's best to prepare for the worst.)