Hello~
I have comments, and questions. First of all, great forum. I am glad I found you.
I have many credit cards over 5 years old with credit limits averaging 5k to 10k, and pride myself on my flawless payment history. I have never paid late, and am vigilant about paying down cards, and paying early.
I get this call from my Dad who lives 1,500 miles away that this guy from Paul Law has been calling my parents leaving his name, my file number, etc. and it is embarrassing!