Figure this! I need a new car so I go to a dealer and find one I want. Since I don't have the money to pay for the whole thing by cash, I apply for a loan. To get a loan they check my credit. Because this is considered a "hard" event (not really shure what that means) my score drops 27 points! Instantly I become a credit risk. I now have to get a higher percentage loan. This is the logic of amercan finance. It looks to me to be some kind scam, but what can be done? I needed the car!
On another theme, Irene seems like a more real possibility all the time (the hurricane if you had doubts).
Life moves on. Love, Shel