topic Re: The MyFICO Forums 12 Step Program (For FICOholics) in Understanding FICO® Scoring

The MyFICO Forums 12 Step Program (For FICOholics)

MidnightVoice — Wed, 27 Jun 2007 12:31:29 GMT

With apologies to Alcoholics Anonymous

1.) We admitted we had been powerless over credit--that our finances had become unmanageable.

2.) Came to believe that a Message Board greater than ourselves could restore our Credit Scores to sanity.

3.) Made a decision to turn our will and our lives over to the care of MyFICO Forums.

4.) Made a searching and fearless inventory of our finances.

5.) Admitted to MyFICO, to ourselves and to other board members being the exact nature of our screw ups, and our actual scores.

6.) Were entirely ready to have MyFICO members help us remove all these defects of our CRs.

7.) Humbly asked them to help us, and wrote GW letters.

8.) Made a list of all creditors, and became willing to make amends to them all if required, and DV them it was likely to do any good.

9.) Made direct disputes to such creditors wherever possible, except where illegal.

10.) Continued to take personal inventory (usually via web banking) and when we carried a balance quickly PIFfed it.

11.) Sought through constant reading of the board to be aware of all pitfalls and to not stray from the path of financial responsibility, and to stay at 1-9% Utilization

12.) Having had a spiritual awakening as the result of these steps, we tried to carry this message to others with credit problems, and to help more people straighten out their CRs, and become Supercontributors.

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Tuscani — Wed, 27 Jun 2007 12:38:16 GMT

Awesome!

Re: The MyFICO Forums 12 Step Program (For FICOholics)

dog — Wed, 27 Jun 2007 14:09:36 GMT

when is our first FA meeting?

Re: The MyFICO Forums 12 Step Program (For FICOholics)

MidnightVoice — Wed, 27 Jun 2007 14:14:59 GMT

We need to set up a virtual meeting :D

Re: The MyFICO Forums 12 Step Program (For FICOholics)

jaguls66 — Wed, 27 Jun 2007 14:28:47 GMT

I'll bring the virtual donuts and virtual coffee. Awesome post, guess I need to admit that I have a problem and com e clean now huh?

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Timothy — Wed, 27 Jun 2007 14:34:40 GMT

Awesome-

Re: The MyFICO Forums 12 Step Program (For FICOholics)

dog — Wed, 27 Jun 2007 23:32:25 GMT

hi, my name is dog and i am a ficoholic.....(everyone) hi dog!

Re: The MyFICO Forums 12 Step Program (For FICOholics)

fused — Thu, 28 Jun 2007 02:31:02 GMT

MidnightVoice wrote:
We need to set up a virtual meeting :D

Better, nobody wants to see my ugly surfer's mug!:smileyhappy:

Re: The MyFICO Forums 12 Step Program (For FICOholics)

MidnightVoice — Thu, 28 Jun 2007 21:00:39 GMT

fused111 wrote:

MidnightVoice wrote:
We need to set up a virtual meeting :D

Better, nobody wants to see my ugly surfer's mug!:smileyhappy:

One of the great advantages of the internet - we are all beautiful :D

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Noah_Bodie — Fri, 29 Jun 2007 17:04:11 GMT

Heh, if you're going to suffer from addiction, might as well be something that pays.

Re: The MyFICO Forums 12 Step Program (For FICOholics)

TexMontana — Fri, 29 Jun 2007 23:02:04 GMT

Hello. My name is Tex Montana, and I'm a FICOholic.

Re: The MyFICO Forums 12 Step Program (For FICOholics)

MidnightVoice — Fri, 29 Jun 2007 23:06:37 GMT

Hello Tex Montana

Re: The MyFICO Forums 12 Step Program (For FICOholics)

fused — Sat, 30 Jun 2007 23:07:52 GMT

Aren't we just FICO nerds?:smileytongue:

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Timothy — Sun, 01 Jul 2007 07:12:52 GMT

drink, smoke and fico

3 vices? is that allowed?

Noah_Bodie wrote:
Heh, if you're going to suffer from addiction, might as well be something that pays.

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Noah_Bodie — Sun, 01 Jul 2007 18:21:17 GMT

You only have 3 vices? Whoa.

Re: The MyFICO Forums 12 Step Program (For FICOholics)

MidnightVoice — Tue, 03 Jul 2007 15:13:06 GMT

Timothy wrote:
drink, smoke and fico
3 vices? is that allowed?

Of the 3, I most like chasing women :D

Re: The MyFICO Forums 12 Step Program (For FICOholics)

jaguls66 — Tue, 03 Jul 2007 16:04:00 GMT

MidnightVoice wrote:

Timothy wrote:
drink, smoke and fico
3 vices? is that allowed?

Of the 3, I most like chasing women :D

Don't you have a DW???? I'm tellin!

Re: The MyFICO Forums 12 Step Program (For FICOholics)

MidnightVoice — Tue, 03 Jul 2007 16:11:09 GMT

jaguls66 wrote:

Don't you have a DW???? I'm tellin!

Yes, but I travel out of the country a lot :D

Re: The MyFICO Forums 12 Step Program (For FICOholics)

jaguls66 — Tue, 03 Jul 2007 16:15:14 GMT

MidnightVoice wrote:

jaguls66 wrote:

Don't you have a DW???? I'm tellin!

Yes, but I travel out of the country a lot :D

For 50 FICO EQ and TU points I won't tattle.....

Re: The MyFICO Forums 12 Step Program (For FICOholics)

MercyMe — Fri, 06 Jul 2007 12:00:56 GMT

Hey guys, we can meet at my house! My VIRTUAL house, that is. Say, 7:00ish, on Tuesdays? I'll provide the wine and cheese!!!! OOPS .... Koolaid ... I meant to say, Koolaid.