Bank of America sent me a letter advising me that they were lowering my credit line from $48, 000 to $25, 000. No reason or explanation was provided though they referred me to my credit report. I thought that was strange because I have awesome credit in the high 700's and I always pay on time and have no credit card balance. I ordered my credit report, and sure enough my credit is squeaky clean, no late payments were reported EVER. In fact, my credit report showed that Bank of American hadn't even bothered to review my report, so... read full review »