I've had my FICO jump 36 pts last month and feeling pretty proud of my great score when I received a letter from Juniper stating that my available credit was being dropped from $2000.00 to $1100.00 because the "utilization of revolving accounts is too high" and "Account recently past due". I was shocked and pulled my own credit report . No past dues PERIOD !!! Whats going on. ??? I just read all these complaints and am wondering why is this company still in business ?