I am looking for forums to speak out about retailers making insanely absurd credit decisions in the aftermath of the new credit laws - all in an effort to save face after years and years of extending credit to less than creditworthy individuals. After being a loyal customer of JCP for almost 10 years, and finding myself in the best financial position of my adult life I got a ridiculous letter in the mail today stating that with the "use of their credit scoring system that predicts your ability to meet future debt obligations"... read full review »