Re: Ethics and Credit Cards
04-30-2012 02:18 PM
Can we have an adult conversation regarding Ethics and credit cards?
What do you consider to be fair vs unfair? What practices do you deem acceptable? Recently had a small back and fourth with a member who had excellent points:
"So none here should do a PFD either. I mean you were late right? The were reporting such right? Then its unethical to have them change your report. How about Goodwill letters? Those too are unethical. Lenders should never agree to ANY Goodwill because again you screwed up right? VERY UNETHICAL. How about paying your cards down to raise your score even if you plan to recharge them later or worse yet, transferring the debt to your wife's credit card. Horrible!! This whole site is EXTREMELY UNETHICAL teaching people how to repair their credit..."
well just to make it clear, the OP who made these statements, from what i read in the other thread, does not necessarily believe these statements. The OP was just making a point on what they were doing by freezing 2 of thier credit reports.
I for one think that sometimes some people on this site get to carry away with their holier than thou attitude. Yes there are some things that are blantantly unethical like disputing an inquiry when in reality they did do it, etc, however there are other things that are in the gray area and some try to come down hard.
Life is not fair sometimes and we do what is best to make the situation better and get ahead in life. If it doesnt hurt another person and only affect you and your life then so be it. Of course this is just my opinion