Well, you can choose to play by the credit rules, or you can choose to save and pay for everything in cash.
Credit is not a right. Credit approval is up to the company providing it. They pay for a 3rd party company to provide them information.
Posting on this forum is not a right. It's a 3rd party company. Arguing with mods and MyFico, who have clearly defined what can and cannot be said and done on here, will not result in you winning any sort of medal. If you don't like it here, move on. I am sure somewhere else on the interwebs your information is deemed valuable to a community. This just isn't the one. I post here, and on other forums, and some things I just don't discuss or say here because this website has defined what I can and cannot talk about. And that is fine, because I do not own this website, and I enjoy this community at large.
Louis CK has a joke, and paraphrased, it essentially said only a couple short decades ago, when you had no money, you just stopped doing things.
Now, everyone is ticked when banks don't give them more money to overextend themselves and get into debt, and in droves they come to websites to complain about it. Many years ago, they enacted the FCRA and FDCPA in order to establish 'rule' in the kingdom. It is far from perfect, as we all know. But I find it apropos that the majority of people who complain about the system are the same who have financial issues. My grandmother never missed a payment, always paid her bills, and never had any issues with credit, getting whatever she needed whether it was paying in cash or asking a bank for money. I spent years touring in a rock band, got into debt, ignored the debt, got into more debt, got evicted from apartments and was an overall bad dude with money for 10 years. So why should I be shocked when a bank doesn't want to give me money? I understand that there are many exceptions to the rule, and I know many of you on this forum have many valid reason for your situation, or the CRAS, CA, OC's have screwed you over.
But until further noticed, these are the rules we have to play by, and learn to play the game. If you don't want to play the game, stop trying to borrow money.
Listen, I play the game. I've done unethical things to try to restore my credit. I have my beefs with how the process is handled. I have complained, and yes, even have been annoyed when the MODs cut information that I probably would have loved to know.
But to sit and complain about the system, when we are all sitting here trying to game the system in our favor is hypocritical.
As I have said before, I removed 19 collection accounts, either by dispute, GW, or PFD. Then I bought a house, and the bank thinks that I have been reliable and credible with my money.
Clearly, I wasn't. So; if we want to complain about the system, the rules, the big brother, the ethics they don't show, and how horrible the system as, at least admit we are hypocritcal while graciously taking our next deletion from a GW from a CA, because the next lender lending you money had no idea you decided not to pay that parking ticket.
-scott
Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Starting EQ FICO Score: 575 7/2012
Starting Score: 0