Credit Card Center Advertiser Disclosure

Super Contributor
Posts: 8,198
Registered: ‎03-25-2007
0 Kudos

I have a dream

With apologies to MLK


I say to you today, my friends, so even though we face the difficulties of today and tomorrow, I still have a dream. It is a dream deeply rooted in the American dream.


I have a dream that one day this nation will rise up and live out the true meaning of its creed: "We hold these truths to be self-evident: that all men are created equal."


I have a dream that one day on the red hills of Georgia the sons of former 600 Credit Scores and the sons of former CRA employees will be able to sit down together at the table of brotherhood.


I have a dream that one day even the state of (pick one  Smiley Happy), a state sweltering with the heat of low Credit Scores, sweltering with the heat of usurious APRs, will be transformed into an oasis of high Credit Scores and cheap credit.


I have a dream that my four little children will one day live in a nation where they will not be judged by the Score on their CR but by the content of their character.


I have a dream today.


I have a dream today.


The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Established Contributor
Posts: 858
Registered: ‎06-26-2007
0 Kudos

Re: I have a dream

True that!!!
New Member
Posts: 17
Registered: ‎07-20-2007
0 Kudos

Re: I have a dream

Keep dreaming - surely one day it will be, but the way things are going, it doesn't seem to be any time soon.
Community Leader
Epic Contributor
Posts: 29,709
Registered: ‎03-19-2007
0 Kudos

Re: I have a dream

ROFL!!!!!   Creditors dont have dreams or hearts!!  I love your sentiment, but this is simply business and capitalism, which aint always pretty.  CC companies have legal precedent to rip us off at rates that, anywhere else in the credit world, would be illegal. I have a dream, also.  To pay off my credit cards, and void my life of the vultures who have carte blanche to enter into a credit agreement, then change the terms at will, and charge iinterest rates that would be userous and illegal for anyone other than a credit card company.  If I loaned money at the 20% plus rate that many CC companies are charging, and went into court to enforce it, I would be guilty of userous lending.  It is not a fair playing field.  But is is legal for them, and them alone.
Established Contributor
Posts: 905
Registered: ‎05-09-2007
0 Kudos

Re: I have a dream

New Member
Posts: 2
Registered: ‎07-18-2007
0 Kudos

Re: I have a dream

Beautifully stated. Dreams DO become real when we believe it enough. We have the power to making what ever we want become include "that my four little children will one day live in a nation where they will not be judged by the Score on their CR but by the content of their character."
We have, within ourselves, what it takes to accomplish so many things in life no matter where we stand right now.
You just have to BELIEVE in your self, and it will come true.
My dream is to raise my children, and as many as I can around me, to be financially literate as early in their lifes as possible. My son (7) and daughter (5) already know the difference between working for money and investing the money. I accomplished this by having them buy a candy machine with their own money and placing it at a friends store and a month later they got their money back and more.
My eyes have been opened in the past year and I have been successfully working in improving my credit scores and my financial life style. I have to say that I am very proud of my kids (and myself Smiley Happy )
Keep dreaming, but always remember that in order for your dreams to become true, we need to act on them.
Much luck to you,
Marie Rodriguez

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.