topic Re: Friendly, Supportive, and Respectful in Credit Cards

Forum Etiquette

Revelate — Sat, 04 Oct 2014 23:20:46 GMT

The following is a list of threads which pertain to the etiquette that we expect in the myFICO community. These are clarifications, recommendations, and mandates from the following myFICO references:

Etiquette threads:

Friendly, Supportive, and Respectful

Revelate — Wed, 30 Apr 2014 01:20:43 GMT

Hello folks,

This is an open letter to the entire community.

Recently we've been seeing a decline in general courtesy on this forum; we've strived to make this forum a Friendly, Supportive, and Respectful online resource for credit education and similar topics, and as of late we have been straying from that ideal. We do not want to see this continue to slide into the typical online community where mostly anything goes, and as such, we are going to be taking more active stance when it comes to handling occurrences of inappropriate material.

From our User Guidelines:

Inappropriate material

In the spirit of a healthy and helpful community, profanity, spam, personal attacks, flaming, and other inappropriate postings are not tolerated. Such material may be edited or removed, and egregious or repeat offenders will be banned from future participation in myFICO Forums.

This is a violation in accordance with our Terms of Service, specifically:

Attacks, including “Flaming” another user or entity in such a way as to incite or perpetuate an argument or conflict; creating usernames to attack other users’ identities; impersonating other individuals or falsely representing one’s identity or qualifications; posts made under secondary user names or other aliases for the purpose of either endorsing or denigrating others; posts that breach any participant’s privacy by including name, address, phone, email address, or any other identifying information.

We don't want to shutdown the discourse of ideas entirely, and some information even when posted perfectly in accordance with our policies will be viewed as negative to certain members: we will continue to apply our admittedly subjective standard of reasonableness in such situations, but we have had recent incidents which have crossed the line, and these we want to eliminate.

For more information, please refer to our User Guidelines and our Terms of Service.

Thank you, and we greatly appreciate everyone's efforts in keeping this forum as a Friendly, Supportive, and Respectful environment!

--Revelate, myFICO moderator

Re: Friendly, Supportive, and Respectful -- 2/6/14

yudeology101 — Fri, 07 Feb 2014 17:17:15 GMT

Thanks Revelate! I guess my troublemaking has gotten too far and reached MyFICO Executive Office. Oh boy I gotta stay out of trouble....

Re: Friendly, Supportive, and Respectful -- 2/6/14

CreditMagic7 — Fri, 07 Feb 2014 21:18:48 GMT

Very thoughtful reminder Revelate. I personally haven't experienced any of the sort but having been a Moderator myself in a pc security forum, it's always reassuring to see mods bring attention where they find it to the better interest of all to keep a forum running smoothly and hopefully with low maintenance

We appreciate all your efforts. Keep up the great work. This is a very unique forum with super helpful membership & mods alike.

Thanks.

Re: Friendly, Supportive, and Respectful -- 2/6/14

Anonymous — Fri, 07 Feb 2014 21:49:51 GMT

Thanks for this. I have noticed some of the posts referenced here, and they are disheartening to see and while some of the expressions made are some what understandable, that isn't the intent of this forum. It's also sort of the way things are said that tarnishes the intended message. I hope that going forward, people will be more thoughtful and understanding before they post.

Re: Friendly, Supportive, and Respectful -- 2/6/14

Anonymous — Fri, 07 Feb 2014 23:12:59 GMT

Thanks for this. Some people in this forum are so rude.

Re: Friendly, Supportive, and Respectful -- 2/6/14

Longroad — Fri, 07 Feb 2014 23:21:11 GMT

I want to apologize if some of this was my fault. I have been extremely disrespectful of the CRAs and have let the frustration spill out. I apologize for this and will strive to keep posts and comments positive. Please accept my sincerest apologies.

Re: Friendly, Supportive, and Respectful -- 2/6/14

Anonymous — Fri, 07 Feb 2014 23:29:24 GMT

@Longroad wrote:
I want to apologize if some of this was my fault. I have been extremely disrespectful of the CRAs and have let the frustration spill out. I apologize for this and will strive to keep posts and comments positive. Please accept my sincerest apologies.

I haven't read your posts, but I am guessing that this was not Rev's intent. Venting is perfectly understandable. Just read some posts about Midland Credit Management lol.. I think he meant more comments and posts directed at other forum members that come here asking for help and advice and getting (to paraphrase) comments such as "well if you didn't do X you wouldn't be in this situation!" Sometimes the comments are... accurate in their way, but snide and unhelpful in tone. I think it's hard enough to come asking for help and advice about something as personal and stressful as credit and finances with out also having to get comments posted to your threads that suggest that you are some kind of "loser" or "idiot" (not that I saw those exact kinds of words but it was certainly implied in the tone of the comments.

Re: Friendly, Supportive, and Respectful -- 2/6/14

Longroad — Fri, 07 Feb 2014 23:33:26 GMT

@Anonymous wrote:
@Longroad wrote:
I want to apologize if some of this was my fault. I have been extremely disrespectful of the CRAs and have let the frustration spill out. I apologize for this and will strive to keep posts and comments positive. Please accept my sincerest apologies.
I haven't read your posts, but I am guessing that this was not Rev's intent. Venting is perfectly understandable. Just read some posts about Midland Credit Management lol.. I think he meant more comments and posts directed at other forum members that come here asking for help and advice and getting (to paraphrase) comments such as "well if you didn't do X you wouldn't be in this situation!" Sometimes the comments are... accurate in their way, but snide and unhelpful in tone. I think it's hard enough to come asking for help and advice about something as personal and stressful as credit and finances with out also having to get comments posted to your threads that suggest that you are some kind of "loser" or "idiot" (not that I saw those exact kinds of words but it was certainly implied in the tone of the comments.

I have seen those. And I wouldn't be worried about the CRAs so much if I hadn't done what I did in the past. This is really a big support group as I see it. And everyone has been very supportive of me. I wouldn't be anywhere close to where I am without this forum. Everyone should remember that we all need help sometimes.

Re: Friendly, Supportive, and Respectful -- 2/6/14

TXinandout — Sat, 08 Feb 2014 04:36:10 GMT

The reason I came here is because I got sick of seen that type of disrespectful behavior in a different credit forum (older than this one) I used to visit very often. Im glad to see zero tolerance here, I have always for the most part seen most people support and encourage each other.

Re: Friendly, Supportive, and Respectful -- 2/6/14

indiolatino61 — Sat, 08 Feb 2014 04:45:14 GMT

@Anonymous wrote:
@Longroad wrote:
I want to apologize if some of this was my fault. I have been extremely disrespectful of the CRAs and have let the frustration spill out. I apologize for this and will strive to keep posts and comments positive. Please accept my sincerest apologies.
I haven't read your posts, but I am guessing that this was not Rev's intent. Venting is perfectly understandable. Just read some posts about Midland Credit Management lol.. I think he meant more comments and posts directed at other forum members that come here asking for help and advice and getting (to paraphrase) comments such as "well if you didn't do X you wouldn't be in this situation!" Sometimes the comments are... accurate in their way, but snide and unhelpful in tone. I think it's hard enough to come asking for help and advice about something as personal and stressful as credit and finances with out also having to get comments posted to your threads that suggest that you are some kind of "loser" or "idiot" (not that I saw those exact kinds of words but it was certainly implied in the tone of the comments.

Re: Friendly, Supportive, and Respectful -- 2/6/14

Revelate — Mon, 29 Sep 2014 18:06:40 GMT

@Anonymous wrote:
@Longroad wrote:
I want to apologize if some of this was my fault. I have been extremely disrespectful of the CRAs and have let the frustration spill out. I apologize for this and will strive to keep posts and comments positive. Please accept my sincerest apologies.
I haven't read your posts, but I am guessing that this was not Rev's intent. Venting is perfectly understandable. Just read some posts about Midland Credit Management lol.. I think he meant more comments and posts directed at other forum members that come here asking for help and advice and getting (to paraphrase) comments such as "well if you didn't do X you wouldn't be in this situation!" Sometimes the comments are... accurate in their way, but snide and unhelpful in tone. I think it's hard enough to come asking for help and advice about something as personal and stressful as credit and finances with out also having to get comments posted to your threads that suggest that you are some kind of "loser" or "idiot" (not that I saw those exact kinds of words but it was certainly implied in the tone of the comments.

This is absolutely our intent.

It takes non-trivial personal courage, even when isolated by the Internet to admit one's "failings" in a public forum. The vast majority of members find this site or others after something goes wrong in their financial life, and the last thing we want is for someone to be welcomed with an open-handed slap instead of a friendly smile of understanding.

Anyone who spends more time here than simply getting the information they need and moving on, is effectively performing a volunteer education function for the other users on the forum (though I admit even after 2 years, at least a year of which was hardcore reading and studying everything I could find on these forums I still learn new things): if it's not fun or enjoyable (for whatever reason) people simply won't do it, and as such we want to keep it friendly, supportive, and respectful, otherwise we likely won't have much of a community when looked at objectively.

As another poster intimated there are other online resources which have different standards and that's OK: none of the forums dedicated to credit education is going to to appeal to everyone and there's room for all of them in this particular space in my opinion, I even personally have a registered account on a few of them and I do occasionally read them in addition to this site; however, we (myFICO) have simply found this to be the optimal method and the site goals reflect that. As such we're going to keep as close as possible to our ideals.

--Rev

Re: Friendly, Supportive, and Respectful -- 2/6/14

sdwalt — Mon, 10 Feb 2014 10:03:45 GMT

This is the BEST forum for credit issues by far, I appreciate the friendly people here and the mods that keep it all running.

Re: Friendly, Supportive, and Respectful -- 2/6/14

John060675 — Mon, 10 Feb 2014 11:43:45 GMT

Thank you for posting what needed to be said. I made a similar post a few weeks ago. This forum is for support and advice, not to point out flaws in decision making or other negative things.

Hopefully these people will be weeded out as best as possible and we all will continue our quest for the mythical 850 score together.

Re: Friendly, Supportive, and Respectful -- 2/6/14

skigirl916 — Wed, 14 Jan 2015 19:50:51 GMT

Moderators: I'm not sure where to put this, but is there a way to handle harassing, insulting PMs sent by disgruntled posters?

Re: Friendly, Supportive, and Respectful -- 2/6/14

Anonymous — Wed, 14 Jan 2015 19:53:30 GMT

@skigirl916 wrote:
Moderators: I'm not sure where to put this, but is there a way to handle harassing, insulting PMs sent by disgruntled posters?

You can click on the individuals name and hit ignore. But I believe that only prevents them from sending you PM's and you would still see any posts or thread msgs from them

Re: Friendly, Supportive, and Respectful -- 2/6/14

Anonymous — Wed, 14 Jan 2015 20:07:36 GMT

I'm sure that they will follow up on that. Sorry to hear that it's happening to you. No excuse.

Re: Friendly, Supportive, and Respectful -- 2/6/14

jsucool76 — Thu, 15 Jan 2015 01:20:26 GMT

Thats no bueno. Try sending lexie or rev or kenny a PM about it.

I wonder who it is xD (i'm nosey)

Re: Friendly, Supportive, and Respectful

happypill — Thu, 15 Jan 2015 01:34:35 GMT

The subject matter can be scary for newer members and the supportive community is definitely a great asset.

Re: Friendly, Supportive, and Respectful

Anonymous — Thu, 15 Jan 2015 01:42:26 GMT

I guess people forget we all have faults and need help. This is a great forum...