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    <title>topic Re: Anyone in Tampa Bay area? in SmorgasBoard</title>
    <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678414#M30282</link>
    <description>&lt;p&gt;I would be down. I'm not a seasoned credit veteran quite yet (on the young side and battling through the debt in the siggy!), but would def be cool to talk! How do you become credit advising certified? I would be interested in that. It would be quite beneficial to teach high school kids about credit and its importance down the road! Perhaps even discuss student loans, what to look for to not get screwed, and what is realistically affordable. Solid idea.&lt;/p&gt;</description>
    <pubDate>Fri, 02 Nov 2012 14:54:39 GMT</pubDate>
    <dc:creator>jm00ser</dc:creator>
    <dc:date>2012-11-02T14:54:39Z</dc:date>
    <item>
      <title>Anyone in Tampa Bay area? (tampa credit group?) lol</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1677838#M30269</link>
      <description>&lt;p&gt;Just curious ;)&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;edit: added &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;anyways let me know if you guys want to meet up sometime for dinner and just chat about experiences or something LOL we could potentially help a lot of people if we network properly. I'm getting a credit consultant certified just so I have something I can use , I intend to go to some schools and volunteer if they let me educate high school students a crash course on how credit works and why it's important.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;If we need to get this country out of debt we need to encourage proper credit usage so we can keep the future generation out of debt. There's a great Korean BBQ restaurant Off W Hillsborough Ave. I love we can meet up whenever if anyone's interested. If you've never had Korean BBQ it's amazing.... if your a meat lover you'll be happy. &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; We could potentially help people with new experiences like buying a house, experiences with companies and financing, hidden fees, or we could even help piggy back eachother if we need. Just a lot of things. There's always little tips and tricks a lot of people on the boards never discuss, so it's just fun to meet new people, especially onces focused and dedicated and serious about important things in life like credit. It would also be educational for friends and family who are not come so they can understand how important things are as some friends or family wouldn't listen to you but might listen if a whole group was talking about it. Helps gets the point across how much you could save in your life if you kept a good credit history =)&lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 14:44:45 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1677838#M30269</guid>
      <dc:creator>distantarray</dc:creator>
      <dc:date>2012-11-02T14:44:45Z</dc:date>
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    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678164#M30270</link>
      <description>&lt;p&gt;I just looked here to see what it is you're up to LOL&lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 08:58:39 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678164#M30270</guid>
      <dc:creator>afjock21</dc:creator>
      <dc:date>2012-11-02T08:58:39Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678166#M30271</link>
      <description>&lt;p&gt;Yes, representing the 813!!&lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 09:45:50 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678166#M30271</guid>
      <dc:creator>gsxrgirl</dc:creator>
      <dc:date>2012-11-02T09:45:50Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678170#M30272</link>
      <description>I wish I still lived in Florida :(</description>
      <pubDate>Fri, 02 Nov 2012 10:21:15 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678170#M30272</guid>
      <dc:creator>ricefed</dc:creator>
      <dc:date>2012-11-02T10:21:15Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678178#M30273</link>
      <description>&lt;p&gt;Thank you for this very informative and helpful credit card related post.&lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 10:43:35 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678178#M30273</guid>
      <dc:creator>jausanka</dc:creator>
      <dc:date>2012-11-02T10:43:35Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678220#M30274</link>
      <description>&lt;p&gt;Born and raised in the 727 :smileyhappy:&lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 12:08:12 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678220#M30274</guid>
      <dc:creator>Repo-ed</dc:creator>
      <dc:date>2012-11-02T12:08:12Z</dc:date>
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    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678282#M30275</link>
      <description>&lt;p&gt;813 as well...&lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 13:11:37 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678282#M30275</guid>
      <dc:creator>jm00ser</dc:creator>
      <dc:date>2012-11-02T13:11:37Z</dc:date>
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    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678314#M30276</link>
      <description>&lt;p&gt; &lt;/p&gt;&lt;hr&gt;&lt;p&gt;jausanka wrote:&lt;/p&gt;&lt;p&gt;Thank you for this very informative and helpful credit card related post.&lt;/p&gt;&lt;hr&gt;&lt;p&gt;lol hey it's not bad to know people who are serious about their credit ;)   &lt;/p&gt;&lt;p&gt;and if we find eachother locally we can help eachother in a lot of ways with credit =)&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;anyways I have pretty good experience in helping people raise their scores if anyone need advice specially locally let me know, and I'm thinking if anyone needs a piggyback or vice versa we could help once we get to know eachother  so it could end up to be very credit related =)&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Anyways I'm in 941 area little south of Tampa if anyone needs help dealing with creditors or etc let me know, i helped fix about 15 people's credit so far, and it's a hobby for me so I don't charge I just give advice, if it works out just buy me dinner or a round of drinks lol! It's a good hobby and it keeps me busy from doing stupid things like wasting money outside :)&lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 13:52:33 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678314#M30276</guid>
      <dc:creator>distantarray</dc:creator>
      <dc:date>2012-11-02T13:52:33Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678376#M30277</link>
      <description>&lt;p&gt;yep 813 as well. 2 years now :)&lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 14:29:36 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678376#M30277</guid>
      <dc:creator>xiownthisplacex</dc:creator>
      <dc:date>2012-11-02T14:29:36Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678384#M30278</link>
      <description>&lt;p&gt;The new face of MyFico....FICOMatch.com&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;We use our special scoring algorithm to match people together for long relationships based on a FICO score. &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;:P &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;I'm 352, - Gville, GO GATORS! &lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 14:33:55 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678384#M30278</guid>
      <dc:creator>jsucool76</dc:creator>
      <dc:date>2012-11-02T14:33:55Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678388#M30279</link>
      <description>Nope.. But really close though. We in Miami here.</description>
      <pubDate>Fri, 02 Nov 2012 14:35:22 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678388#M30279</guid>
      <dc:creator>CruzImperial</dc:creator>
      <dc:date>2012-11-02T14:35:22Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678390#M30280</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;xiownthisplacex wrote:&lt;br&gt;&lt;p&gt;yep 813 as well. 2 years now :)&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;awesome there's quite a few people around Tampa =)&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;anyways let me know if you guys want to meet up sometime for dinner and just chat about experiences or something LOL we could potentially help a lot of people if we network properly. I'm getting a credit consultant certified just so I have something I can use , I intend to go to some schools and volunteer if they let me educate high school students a crash course on how credit works and why it's important.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;If we need to get this country out of debt we need to encourage proper credit usage so we can keep the future generation out of debt. There's a great Korean BBQ restaurant &lt;span&gt;Off W Hillsborough Ave. &lt;/span&gt;I love we can meet up whenever if anyone's interested. If you've never had Korean BBQ it's amazing.... if your a meat lover you'll be happy. &lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; We could potentially help people with new experiences like buying a house, experiences with companies and financing, hidden fees, or we could even help piggy back eachother if we need. Just a lot of things. There's always little tips and tricks a lot of people on the boards never discuss, so it's just fun to meet new people, especially onces focused and dedicated and serious about important things in life like credit. It would also be educational for friends and family who are not come so they can understand how important things are as some friends or family wouldn't listen to you but might listen if a whole group was talking about it. Helps gets the point across how much you could save in your life if you kept a good credit history =)&lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 14:39:08 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678390#M30280</guid>
      <dc:creator>distantarray</dc:creator>
      <dc:date>2012-11-02T14:39:08Z</dc:date>
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    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678412#M30281</link>
      <description>&lt;p&gt;If I reside in the area I would be all aboard. However I think you have a beautiful project you are attempting to but in to place. Good luck&lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 14:52:59 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678412#M30281</guid>
      <dc:creator>Cadillac-XTS</dc:creator>
      <dc:date>2012-11-02T14:52:59Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678414#M30282</link>
      <description>&lt;p&gt;I would be down. I'm not a seasoned credit veteran quite yet (on the young side and battling through the debt in the siggy!), but would def be cool to talk! How do you become credit advising certified? I would be interested in that. It would be quite beneficial to teach high school kids about credit and its importance down the road! Perhaps even discuss student loans, what to look for to not get screwed, and what is realistically affordable. Solid idea.&lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 14:54:39 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678414#M30282</guid>
      <dc:creator>jm00ser</dc:creator>
      <dc:date>2012-11-02T14:54:39Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678468#M30283</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;jm00ser wrote:&lt;br&gt;&lt;p&gt;I would be down. I'm not a seasoned credit veteran quite yet (on the young side and battling through the debt in the siggy!), but would def be cool to talk! How do you become credit advising certified? I would be interested in that. It would be quite beneficial to teach high school kids about credit and its importance down the road! Perhaps even discuss student loans, what to look for to not get screwed, and what is realistically affordable. Solid idea.&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;credit counseling is supposed to help people consolidate debt, but just the title itself should help get in the door for credit education at the very least. I'm planning on taking classes for accounting after this, and financial planner. because my ultimate goal is to help people repair their credit, and manage their accounts and finances. I would like to just help people repair their credit (I got almost all mine removed for free minus time and postage) because collections credit card companies and credit reporting bureaus from my credit repair journey I view as a complete joke. We need to educate ourselves and fight back so we can force them to abide by the law.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Many companies cut corners to save money, and ruining our credit further than legally allowed by law. Also there is NO reason why paying a charged off or collections should EVER drop your score. This happened to me last year.  for paying 3 old accounts that got marked paid in full since it updated the last date of activity it made it appear to be a fresh collections. &lt;/p&gt;&lt;p&gt; &lt;/p&gt;</description>
      <pubDate>Fri, 02 Nov 2012 15:38:19 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1678468#M30283</guid>
      <dc:creator>distantarray</dc:creator>
      <dc:date>2012-11-02T15:38:19Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area?</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1679678#M30284</link>
      <description>&lt;p&gt;anyways if anyone wants to meet up jus send me a pm i'll try to schedule something just tell me what's a good day for you&lt;/p&gt;</description>
      <pubDate>Sat, 03 Nov 2012 00:19:11 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1679678#M30284</guid>
      <dc:creator>distantarray</dc:creator>
      <dc:date>2012-11-03T00:19:11Z</dc:date>
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    <item>
      <title>Re: Anyone in Tampa Bay area? (tampa credit group?) lol</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1679804#M30285</link>
      <description>From Miami here, but living in the Memphis area and will be living here until next year though.</description>
      <pubDate>Sat, 03 Nov 2012 01:23:10 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1679804#M30285</guid>
      <dc:creator>alboto</dc:creator>
      <dc:date>2012-11-03T01:23:10Z</dc:date>
    </item>
    <item>
      <title>Re: Anyone in Tampa Bay area? (tampa credit group?) lol</title>
      <link>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1724620#M30426</link>
      <description>&lt;p&gt;813 now, formally 352 though :)&lt;/p&gt;</description>
      <pubDate>Fri, 30 Nov 2012 00:51:51 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/SmorgasBoard/Anyone-in-Tampa-Bay-area-tampa-credit-group-lol/m-p/1724620#M30426</guid>
      <dc:creator>FLAJenn</dc:creator>
      <dc:date>2012-11-30T00:51:51Z</dc:date>
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