Super Contributor
Posts: 8,198
Registered: ‎03-25-2007
The MyFICO Forums 12 Step Program (For FICOholics)

With apologies to Alcoholics Anonymous



1.) We admitted we had been powerless over credit--that our finances had become unmanageable.

2.) Came to believe that a Message Board greater than ourselves could restore our Credit Scores to sanity.

3.) Made a decision to turn our will and our lives over to the care of MyFICO Forums.

4.) Made a searching and fearless inventory of our finances.

5.) Admitted to MyFICO, to ourselves and to other board members being the exact nature of our screw ups, and our actual scores.

6.) Were entirely ready to have MyFICO members help us remove all these defects of our CRs.

7.) Humbly asked them to help us, and wrote GW letters.

8.) Made a list of all creditors, and became willing to make amends to them all if required, and DV them it was likely to do any good.

9.) Made direct disputes to such creditors wherever possible, except where illegal.

10.) Continued to take personal inventory (usually via web banking) and when we carried a balance quickly PIFfed it.

11.) Sought through constant reading of the board to be aware of all pitfalls and to not stray from the path of financial responsibility, and to stay at 1-9% Utilization

12.) Having had a spiritual awakening as the result of these steps, we tried to carry this message to others with credit problems, and to help more people straighten out their CRs, and become Supercontributors.



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