Talk:Universal default/Archives/2012

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I know for a fact there are cases where you can be raised to the default rate based strictly on changes in your risk factors as reported by credit reporting agencies. You don't necessarily have to have incurred any actual delinquencies or defaults before an unsecured creditor can raise you to the default rate. This should be incorporated into the article by someone who knows about it, as it might depend on location and type of creditor in ways I'm not versed in.