I think I'm going to snap.

[Sirrahsim]

Stop and take a step back. Credit agencies do not suspend you for "no reason". Even if the reason is a mistake, there is always a reason. Finding out that reason will bring you one step closer to fixing the problem. Are you paying your bills? Are you sending in the money with enough time so that they don't recieve your payments late? Is your account information right on your checks so that Visa and your auto insurance company are actually getting your money? I know that it seems like things are falling apart but the harder you try to be objective the easier you will be able to get things done.

Call VISA. The person on the other end of the phone is working FOR YOU. Their job is to help you figure out what is going on. Ask them specifically why certain things happen. "I'm trying to find out why on this date, this thing happened." "Why are you doing this to me???" Is not going to get the response you need. Tell them that you would like a statement in writing explaining why this this and this happened on this this and this date.

Try the same thing with your auto insurance company. Try your hardest not to get emotional and give them specific dates and events so that they can go look into your history and explain why these things are happening...

I have to go, I'll add more later.
Hang in there It will get better!!

[Sirrahsim]

Remember that it is nothing personal. The actions that the companies take are based on information that they have received from somewhere. They don't know *you*, they know your account and spending habits based on the best info that they have.

Example: Over the past few months I have received over $4000 in bills from my "insurance" company. At first I was hysterical wondering how on earth I was goingt o come up with that kind of money. After doing some digging we discovered that the entire mixup was due to them having typed in *one* digit of my husband's social security number wrong on the claims. They weren't denying the claims because they didn't like me or because I had done something wrong, they were denying the claims because they were getting bad info. When they tried to look up my eligibility they would draw a blank because they were looking up the WRONG PERSON. Once we figured that out we were able to correct the mistake and made every one of the bills dissapear. This obviosuly isn't going to make any previous credit card debt dissapear, but it could help you figure out why they are suspending your account. Look over every inch of your bill. If anything doesn't add up or if one letter of your name is spelled wrong, let them know.

You can get to the bottom of it Like Karen said, you can also try an agency that deals with consolidating debt. You *can* do this.

[JenBKR]

Example: Over the past few months I have received over $4000 in bills from my "insurance" company. At first I was hysterical wondering how on earth I was goingt o come up with that kind of money. After doing some digging we discovered that the entire mixup was due to them having typed in *one* digit of my husband's social security number wrong on the claims. They weren't denying the claims because they didn't like me or because I had done something wrong, they were denying the claims because they were getting bad info. When they tried to look up my eligibility they would draw a blank because they were looking up the WRONG PERSON. Once we figured that out we were able to correct the mistake and made every one of the bills dissapear. This obviosuly isn't going to make any previous credit card debt dissapear, but it could help you figure out why they are suspending your account. Look over every inch of your bill. If anything doesn't add up or if one letter of your name is spelled wrong, let them know.

That is a good point, and you would be surprised how often things like that happen. When hubby and I were first married we rented a townhouse. One month we got an eviction notice on our door for nonpayment. I knew I had paid the bill, so I called right away. Turns out there was someone a few units down with the same last name, and the landlord had credited our rent checks to that person, so we were showing up as not having paid those months. Sometimes it can be a simple mistake that can be worked out quickly.