Quick question

[Anonymous]

Yell but the OP does not have your credit profile and is starting off. Thus the impact of additional or unnecessary HPs should not be discounted. 

A thick or developed credit file can sustain far more HPs than a newer or thinner file. That's why valued and senior contributors should weigh that fact when advising. 

The advice should be predicated on a person's financial/credit context. 

[kdm31091]

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@Anonymous wrote:

Yell but the OP does not have your credit profile and is starting off. Thus the impact of additional or unnecessary HPs should not be discounted. 

A thick or developed credit file can sustain far more HPs than a newer or thinner file. That's why valued and senior contributors should weigh that fact when advising. 

The advice should be predicated on a person's financial/credit context. 

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Exactly.

Some with more established history quickly forget that for a younger, newer file, 3 HPs and the AAOA ding ,etc, is much more harmful than it would be for them. We need to personalize our advice, not just blanket recommend bonuses all day.

[Anonymous]

^ words of a true warrior

[Anonymous]

some people lose sight of the fact of what works for YOU isn't tailor-made for everyone else. everyone has different profiles, and very like no one tells 100% of what's going on in theirs. people say i have "some" lates. okay great is that 2 in 2 years or 5 in 6 months

[Anonymous]

That's why we've said advice should be made individually based on the information given and thus it should be financially conservative since we don't have all the information. And neither do we know the full context. 

[Anonymous]

yes. thank you for not being like half the bad members here lol