Home Depot Credit Services decreased my credit line, decreasing my credit score 21 points, when I have perfect credit The Lakes , Nevada

You obviously DON'T have perfect credit! No bank in the world would lower someone's credit line if they have perfect credit. So dude you are either not telling the whole truth or you need to pull a copy of your credit report. And you obviously don't know a thing about credit because having a lower credit line doesn't lower you credit score by 21 point in any circumstances. Some customers who do actualy have Good credit lower their credit lines in order to reduce their outstanding credit available which is good for their credit. If the bank lowered your credit line it is for no other reason that you have BAD credit, you are a risk. They lower your credit line to your balance as a courtesy so you won't appear to be over your limit and damage your credit even more.