topic Re: Confessions...of a credit geek in General Credit Topics

Confessions...of a credit geek

Anonymous — Tue, 20 May 2008 11:26:25 GMT

They say that those who are born-again into religion are the most zealous. I've noticed the same phenomenon here, with those of us who have earned our second chance with credit.

When I charge something on my credit card, I get a little thrill out of PIF'ing it just in time. It's like playing a video game. Take THAT, credit scores!

When I spend cash, I get a little thrill out of NOT using a credit card.

I stare at my credit reports the way some people look at porn.

I get excited about all those little OK symbols on my FAKO report. Look how pretty!

I desperately want to talk credit scores with people I know, even shortly after meeting them.

I feel smug and superior when I find a mistake on a report, and send a letter requesting that it be corrected, because I know I'm actually right.

I know I USED to do other stuff on the internet, I just can't for the life of me remember what it was.

Yes. I am...a credit geek.

Re: Confessions...of a credit geek

Anonymous — Tue, 20 May 2008 11:31:47 GMT

Yep, me too!!! The funny thing is, when I try to make small talk with people about fico and credit, they don't seem interested..they give me that weird look...mabey I need to be a closet credit geek!

Re: Confessions...of a credit geek

Anonymous — Tue, 20 May 2008 11:39:15 GMT

Well, I want to talk about it...I didn't say I did.

Of course, if they bring it up....

Re: Confessions...of a credit geek

marty56 — Tue, 20 May 2008 12:01:18 GMT

Other symptons:

When you are with a group of poeple you offer to pay the tab saying that you havent used your PIF CC in a few months and need to exercise it a bit.

Re: Confessions...of a credit geek

MidnightVoice — Tue, 20 May 2008 12:25:30 GMT

I was traveling with a colleague (on United) and the prices of gas and United/Chase signature cards came up, which led to me giving a one hour lecture on gas card rebates, signature cards and CLs, rewards and Amex.

Re: Confessions...of a credit geek

Jesedmotherof5 — Tue, 20 May 2008 15:27:20 GMT

ha ha ha ha this is sooo funny! I feel the same way... I cant for the life of me figure out why fico isnt as important to everyone else..... I dod hte happy dancce when I get something off or a new CC... my assistant said She think I found my calling.... I dont know about that!

Re: Confessions...of a credit geek

Anonymous — Tue, 20 May 2008 17:18:04 GMT

This is too funny!!! I talk about credit alot to my DH and grown kids. They get real quite, then need to go....umm

Re: Confessions...of a credit geek

Anonymous — Tue, 20 May 2008 17:57:34 GMT

ME TOO!!!! It's so funny!

One time, months ago, I saw a woman in line at the grocery store, pulling cc's from her wallet and considering which one to use for her purchase. At the time, I thought "ugh, she's so overwhelmed with credit that she doesn't even know which CC has enough $$ left on it to pay for her groceries... and what kind of person is so broke that they have to use a CC to buy GROCERIES??!"

Now, I look back and think that she was probably considering which one needed a little "exercise" and weighing which one would give her the most points for this purchase.. LOL

DH isn't always quite able to quantify what our score increases mean.. if I tell him, you're at a 650 NOW!!! He stares blankly and says "ok, great!" So I have to make it real for him.. "do you realize that means that you could get 2-3% lower IR on your truck??" Then his eyes light up

Re: Confessions...of a credit geek

Trishco — Tue, 20 May 2008 19:10:22 GMT

This is fabulous! I'm NOT alone!! LOL!

Re: Confessions...of a credit geek

haulingthescoreup — Wed, 21 May 2008 00:50:02 GMT

@Anonymous wrote:

...I stare at my credit reports the way some people look at porn...

ROFLMAO

@marty56 wrote:

Other symptons:

When you are with a group of poeple you offer to pay the tab saying that you havent used your PIF CC in a few months and need to exercise it a bit.

especially if you don't say "my pay-in-full credit card", but instead actually say "PIF CC"!

Re: Confessions...of a credit geek

Anonymous — Wed, 21 May 2008 01:05:49 GMT

Wow, there are a lot of us! I think we need to have t-shirts made or something!!

Which would make us even BIGGER geeks.

Re: Confessions...of a credit geek

Uniqua — Wed, 21 May 2008 01:08:38 GMT

Pjxf99 (don't know why I think of Pixar when I see your name), this is by far the best post I've seen on the myFICO forums EVER.

Thanks for making my day. I cannot stop chuckling!

Re: Confessions...of a credit geek

Junejer — Wed, 21 May 2008 03:02:58 GMT

Pjxf, I think that a lot of us are in the same boat. I wish that I could get paid to take care of my credit report. I'd be a millionaire, just from my activities this year.

Re: Confessions...of a credit geek

Anonymous — Wed, 21 May 2008 04:58:09 GMT

I admit to being a credit geek also!

Re: Confessions...of a credit geek

Anonymous — Wed, 21 May 2008 06:30:45 GMT

Uniqua wrote:
Pjxf99 (don't know why I think of Pixar when I see your name), this is by far the best post I've seen on the myFICO forums EVER.

Thanks for making my day. I cannot stop chuckling!

What a nice thing to say! You're welcome!

Re: Confessions...of a credit geek

JayBeast — Wed, 21 May 2008 07:44:57 GMT

Oh GOD!!!

I've just realized that I am starting to become a credit geek too!!!

I can hear the chanting of the masses on the boards. ONE OF US! ONE OF US!

Edited to correct my lack of ability to spell.

Message Edited by JayBeast on 05-21-2008 12:44 AM

Re: Confessions...of a credit geek

mrlimo — Wed, 21 May 2008 13:36:13 GMT

Hello my name is ____ and I am a credit geek.

I was laughing at the comment of the grocery store line shuffleing credit cards. All my cc's are pif monthly. I do float though. When I am shuffleing I am thinking this one closes this week, I can't use it untill next week, I have to use this one it closed 3 days ago and I can have them pay for my groceries for the next 20 days. I use the high cl credit cards that doesn't give points for $2.00 - $3.00 purchases ever 3 months (when I use it I write on masking tape on the top of the card last purchase date/ next purchase date due like they do for your oil on your windshield.) just to keep them active and this way i don't get the message "a credit card has been used that has been inactive for more than 4 months". I would agree that I pay alot of attention to this. Looking to surpass the 2% of the country and join the elite group of 1% soon.

Thanks for listening my fellow friends.

Re: Confessions...of a credit geek

Anonymous — Wed, 21 May 2008 14:02:04 GMT

when I use it I write on masking tape on the top of the card last purchase date/ next purchase date due like they do for your oil on your windshield

I.....am speechless.

Mrlimo wins!

*hands over the geek title*

*considers trying this, looks for tape*

Re: Confessions...of a credit geek

carletteforum — Tue, 10 Jun 2008 23:42:43 GMT

How can I raise my already high credit score. Can using previously dormant accounts raise my score?

Re: Confessions...of a credit geek

Anonymous — Wed, 11 Jun 2008 00:57:14 GMT

@Anonymous wrote:
Wow, there are a lot of us! I think we need to have t-shirts made or something!!
Which would make us even BIGGER geeks.

Oooooh!! I would SO buy one!! Maybe one that had a "recipe" for a FICOtini?
(Since every time I go to BooksAMillion, they have gajillions of stuff with bartender recipes on'em!)

Who has FICOtinis in their siggie? Is it Masdecho?? Whoever it is, we need to have'em run over to CafePress (NAYY) and design a t-shirt that we can buy!!