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This forum is made to make us feel guilty.

Senior Contributor

Re: This forum is made to make us feel guilty.

Personally, I've arrived at an age where I don't really care. About anything. Smiley Wink


Gardening until tomorrow.
Message 11 of 30
Established Contributor

Re: This forum is made to make us feel guilty.

Captool, I wish I knew you in real life. I just love love all your comments!
"However many years she lived, Mary always felt that 'she should never forget that first morning when her garden began to grow'.”― Frances Hodgson Burnett, The Secret Garden
Message 12 of 30
Valued Contributor

Re: This forum is made to make us feel guilty.

Perhaps you can. Send him a private message.Heart

Fico 8: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 9: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 4 .....:. EQ 804 TU 823 EX 830 (3/2017) EX Fico 98: 839 (3/2017)
VS 3.0:...... EQ 832 TU 832 EX 832 (3/2017)
Fico 8 BC:. EQ 887 TU 899 EX 900 (3/2017)
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950 (4/2017)
Message 13 of 30
Community Leader
Super Contributor

Re: This forum is made to make us feel guilty.


CAPTOOL wrote:

Personally, I've arrived at an age where I don't really care. About anything. Smiley Wink


ugh!! I went to go "kudo" this, and then I realized I was in the gas chamber Smiley Sad LOL

(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Message 14 of 30
Community Leader
Super Contributor

Re: This forum is made to make us feel guilty.


Thomas_Thumb wrote:

Perhaps you can. Send him a private message.Heart


right behind me...I called dibs a long time ago! LOL Smiley Wink

(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Message 15 of 30
Regular Contributor

Re: This forum is made to make us feel guilty.

I'm new 'round here, but I actually thought this forum was made so we could swap potentially useful info with each other and perhaps also find community in that. My take on it so far is it's suceeding! Maybe I'm just not all that into the whole guilt thing?

Message 16 of 30
Valued Contributor

Re: This forum is made to make us feel guilty.

I am certainly not here out of guilt... I found my way here when I was trying to get myself prepared for a mortgage. After all of the help I received I owe it to pass what people here have taught me. I have a nice lineup of cards I never thought I would have, an alarmingly good idea of how my actions will affect my credit score down the road and plenty of free time to help some people to build or rebuild. Without some of the wonderful people who provided some fantastic advice I would still be paying more in rent than I am to own, paying cash and getting no rewards on my purchases.

I do get that there are lots of people that get addicted to the feeling of new approvals, and live or die by the 6 points their scores go up or down, but I think you overestimate how many people feel guilty. Hell if you feel guilty about an inquiry you should probably be sainted, if that's the thing makingyou feel guilt you have lived one heck of a clean life Smiley Happy

 

I've got some cards, got my house and got some scores with a 7 in front. Now what? Oh yea, live some of that life stuff.
Message 17 of 30
Established Member

Re: This forum is made to make us feel guilty.

I appreciate your point on this issue.
Message 18 of 30
Valued Contributor

Re: This forum is made to make us feel guilty.


CAPTOOL wrote:

Personally, I've arrived at an age where I don't really care. About anything. Smiley Wink


And man oh man how sweet that feeling is.



Message 19 of 30
New Member

Re: This forum is made to make us feel guilty.

I think I definately started out as #1. I have since transitioned to #4. Within the past month I have opened 2 new cards. At first I was excited about the approvals, but then later the guilt about having more inquiries on my profile. Also #4 and #5 seem very similar to me. 


Starting Score:707
Current Score: 765
Goal Score: 800
Message 20 of 30