I have had a Visa credit card through Lowe's for several years. About five years ago I went through some tough financial times I was as much as three months late paying some months, but eventually caught up. About two years ago, my financial status began to improve and I completely paid off my Lowe's visa, as well as another visa and two mastercard credit cards.

For the past two years I have never missed a monthly payment, paid on time, and even paid the amount in full each month. I specifically focused on this so I could repair my credit history. Last month I received a letter stating GE MoneyBank had decided I was a bad risk and was therefore closing my account. I called and spoke to someone, stating I could understand if the account was closed years back. But they had faith in me and I proved them right by keeping a spotless record for two years and then the decision to close my account is made. That's ridiculous. Not to mention that after working so hard to build a spotless history, now I have a company closing my account on record, which means I have to start all over. That's not fair.