1) the total balance on all your credit cards and other lines of credit are high when compared to the total amount of credit available 2) Your credit bureau reports that in the past 12 months you have had balances on a high percentage of your credit cards 3) A relatively high number of inquiries have been made into your credit bureau record of the last 12 months We were absolutely furious. We contacted Equifax and got a copy of our credit report. First there were several things that were wrong on the report. The main thing being that PEOPLE'S BANK had listed that we had TWO accounts with them with a $4300 balance in each account. Also, there were some things on the credit report that we had paid off that were not listed as paid off. Still all in all, our credit was perfect. We had all 1's. We wrote People's bank a letter back stating that some things were not right on the credit report and asked them to not raise it. They sent a letter back to us saying "after careful consideration" they were going to stand by the increase. One thing that WAS shown on the credit report was that People's Bank checked our Credit in APRIL. The letter was sent in JULY. After Equifax changed everything on the credit report, they sent us the updated one. At the bottom of the credit report there is a list of all people who have asked for your credit rating. We know that People's Bank did not even check again after that April check. They also could tell that all of the people asking for credit ratings were the junk mail that you get all the time. The Creditor is able to tell that. The last credit that we wanted was our car in July 1999. We haven't asked for anything else. I believe that People's Bank is doing this to a lot of other people too. Luckily, we have the money to pay the credit card off with a nasty letter but what about the other people who don't have a choice? It's not fair to them!!! Our interest rate was increased not because of what we owed PEOPLE'S BANK but to all the other creditors!!! We don't have but three major credit cards. We are telling everyone about People's Bank. Don't get sucked in by their "goodness" to give you a credit card. You will end up like us. !!!