topic Re: Goodbye myFICO Forums in Rebuilding Your Credit

Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 03:21:58 GMT

I'm so tired of the MODs...and their warning towards me...for repeating things...others have posted...I appreciate all of you...for all your help...and I wish the best for all those who are repairing their credit...this site is the BEST...and I have learned a lot...since I'm on strike 3 with the MODs...I'll do them a favor...and delete myself...

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 03:28:49 GMT

Sly, please don't leave ... I really don't think the Mods censor you for any personal reasons. Personally, I think they have a rough row to hoe and have to continually be on top of even the smallest detail that could jeopardize these forums (after all, even though it nets MyFICO some nice publicity, they could always decide it isn't worth the aggravation!).

But I really think that it's not personal one bit. I've even got a private spanking a few times ... I broke the rules and I learned from my mistakes!! I think everyone is here to learn in ONE way or another!! And not only have I had to learn about credit rebuilding, but the rules here, too!!

Please stay. You've helped so many people. And it's not fair to the others that come along, needing help, if we're less one great helper!!

{{{Hugs!!!}}}}

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 03:33:57 GMT

I know it's not personal...but that LVNV Funding...so called policy thing....was posted by SEVERAL other posters...even the ones who actually did it...the one thing I have a major problem with is...the only MODs on this particular forum is...Sidewinder...and HappyDays...I have NEVER seen any other MOD on her giving people their "super contributor help"...answering any questions...for people who may need help...with a particular situation...not like this is their job...and they can't monitor read every post...but seems like the other only come on her to monitor...no personal problems with any of them...just VERY aggravated...I didn't mean to VIOLATE anything on purpose...thanks again to everyone...I will still use this site for my scores...but I WILL NOT respond on ANY more posts...

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 03:35:51 GMT

Please don't delete yourself! Think of all the newbies (like me) who really could use the advice and encouragement from others who have 'been there done that.'

As far as 'repeating yourself'... I'm having a terrible time with the so-called 'search' feature here. How can they really expect questions won't be repeated from time to time? If that's the case, I'm sure I'll be in trouble too sooner or later... the story of my life.

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 03:38:48 GMT

Not the case...I repeated a CA..deletion policy...and now I'm in violation...because i am encouraging people to dispute accurate information...against reporting rules...

Re: Goodbye myFICO Forums

llecs — Fri, 04 Jul 2008 03:40:09 GMT

Don't worry about it Sly. In the game of MyFICO, strike three does not equal an out. Ignore it; move on. You are on the right track with your advice.

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 03:41:18 GMT

Sent you a PM ... please read it!!

{{{{{Hugs}}}}}

Re: Goodbye myFICO Forums

Schoolbuskid — Fri, 04 Jul 2008 03:55:54 GMT

No dude you cant go...just take it easy for awhile...you have been such a great help to me...you cant go! You cant leave me here with all these older people! LOL! No offense!

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 03:58:45 GMT

Hey!! I just turned 39 the other day and I DEEPLY resemble that remark!!

*makes angry face at SchoolBusKid*

Grrrrrrr!!

Re: Goodbye myFICO Forums

wahmom — Fri, 04 Jul 2008 04:12:49 GMT

Hey Sly,

Who am I going to turn to for advice on Louisiana laws and CA's? You can't leave. You gave me some great advice about Southern Credit Recovery and I think I may be getting them off because they couldn't validate. Don't go, please...... Ok you made me beg which is against my nature now stay so I don't have to do it again.

Re: Goodbye myFICO Forums

Schoolbuskid — Fri, 04 Jul 2008 04:22:53 GMT

Wonderin wrote:
Hey!! I just turned 39 the other day and I DEEPLY resemble that remark!!

*makes angry face at SchoolBusKid*

Grrrrrrr!!

I still love ya wonderin! Hopefully i'll make it there someday! I can remove that if you like!

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 04:25:06 GMT

*haughty tone of voice*

No, leave it there. It will be permanent evidence of your naughtiness.
Bwahahahahaha!

*giggle*
Love you, too, SchoolBusKid!! You're too durn sweet not to!!

{{{Hugs!}}}}

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 09:44:17 GMT

Sly! PLEASE don't go! I've only been here a couple of days & your posts have already helped me!!!

The mods are just trying to keep from establishing a reputation that myFICO posts "objectionable" advice...

You are OBVIOUSLY very knowledgeable & care about helping others reach their goals, not just about your own scores!!!

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 14:23:37 GMT

ughh....more then half of this forum is repeating...just repeating for different situations...but in summary its all the same...so are they bothering other folks who are constantly helping others even if it mean repeating something you said somewhere else..??...people like you is what made this forum a success..ive only been on here about a week or more..and your name is the one that sticks out..known for giving valuable advice..ive noticed that immediately!!..im sure they have too!!..why would they hound you for "repeating" if they arent actually participating as much as you are?..i dont know if that is true or not..but where in the rules does it say you can not repeat anything???..if thats the case a lottttttt of threads need to be deleted...dont go sly!!..you dont get paid to log on here to offer strangers your advice or opinion..thats all in a good heart....that people like myself most greatly appreciate...

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 17:16:58 GMT

You know, I don't know about the rest of you, but when I have a problem, sometimes reading the forums helps & sometimes I just NEED to post it and have somebody answer me directly. I think it has to do with KNOWING that the answer relates to my specific question or issue, regardless of whether it's been repeated for 100 other people before me. Maybe it's just me..who knows.

It seems like, when I'm overwhelmed, the answers other peoples' questions don't always "sink in" right away ~ ESPECIALLY when I was CLUELESS to begin with, like I am here!!

Are the mods concerned about "space"? Is that why they don't want stuff repeated? I don't know the answer to that, but in my opinion, repeats could possibly be categorized as a "necessary evil", from their perspective, if not simply PAR for the COURSE!

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 17:48:13 GMT

Mods: Not sure if this post will be in violation. As always, if it is, please accept my apologies!!

I THINK what Sly's saying is that he's gotten into trouble repeating advice that's frowned upon, but when worded in another way, is NOT frowned upon (or at least, doesn't SEEM to be).

A fairly major violation here (and there are a few others) is to encourage, promote or advise disputing accurate info on CRs. That, from what I understand, is a BIGGIE.

So I think, out-and-out saying "Go ahead and dispute it, even if it's right" is WRONG and a violation. BUT if you've been instructed to by the CA (because they might have a policy that prohibits them from accepting PFDs), even if the basic information IS correct, disputing accurate info is permissible. Sort of a lazy man/CA's PFD. Both sides pretty much get what they want, I assume.

So my take on the situation is that SINCE we pretty much repeat advice here ('cause really, a lot of situations, while not the SAME are similar), it's easier to say "go ahead and dispute it" without actually stating the rest of the sentence (i.e., "because the CA instructed you to as part of the "deal"). Don't get me wrong ... I'm Southern and I LOVE to talk (even if it's just to myself or the nearest, inattentive teenager), so I don't mind repeating the whole spiel over and over and over and .... you get the point.

But Sly tends to play a bit more on the concise side of the street and doesn't love to jabber on like I do! So he's just gone with sentence fragments and gotten chided for it.

But you can't take the Mods as being nit-picky about this. They HAVE to moderate and apply the rules -- it's their JOB (paid or not -- and I'm 99.9% sure they are NOT, they do it out of the goodness of their hearts) -- even if they KNOW what the gist of the post is. Because we get newbies in here everyday and I'll bet that for every newbie that posts, there are 50 who just lurk. And the Mods don't want to encourage THEM to break the law, either. So they have to interpret posts to the "worst degree."

All in all, I think it's a misunderstanding. We're ALL human and we all tend to interpret things differently. At least, that's my take of the situation!!

Hugs to all!! 'Specially Sly!!

Re: Goodbye myFICO Forums

Schoolbuskid — Fri, 04 Jul 2008 20:46:02 GMT

Sly must already be gone! He has not commented on this thread! I really hate that he decided to leave!

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 21:09:07 GMT

If you get a reply you are very very lucky, I seen where people ask question and no one replied to even help them.

I guess when the MODS were peons like us they got their questions answered thats why their scores are higher.

But yes I have seen people begging for help and people who aren't really sure might reply to help them. I understand this isn't a paid job for some but replies to people questions would be nice so they can join the 700 club.

Re: Goodbye myFICO Forums

Anonymous — Fri, 04 Jul 2008 21:41:45 GMT

He's not gone completely...at least, he wasn't a couple of hours ago when I visited his profile & PMed him...hopefully, he's just on strike!

but replies to people questions would be nice so they can join the 700 club.

LOL at this point, I'm aiming for the FIVE hundred club on a couple and the 550 + on the others...the 700 club seems like a far & distant land for me...like...THE EMERALD CITY!

I really hope sly will come back!

Re: Goodbye myFICO Forums

Scamp — Fri, 04 Jul 2008 23:14:35 GMT

MontanaGal wrote:
If you get a reply you are very very lucky, I seen where people ask question and no one replied to even help them.
I guess when the MODS were peons like us they got their questions answered thats why their scores are higher.
But yes I have seen people begging for help and people who aren't really sure might reply to help them. I understand this isn't a paid job for some but replies to people questions would be nice so they can join the 700 club.

Yes, the Mods are all volunteers who do the best they can with what they have to help as many people as they can on here, but they also don't know everything and can't be everywhere at once. They also have jobs, lives, families, etc., just like the rest of us, so just by their being human, some posts are bound to go unanswered right away or may fall through the cracks entirely, if the OP (or anyone else) doesn't *bump* the thread to make sure it doesn't get lost.

Since even Mods don't know everything, it also may be that some questions posted are simply ones to which even they don't know the answers, but rarely - I'm tempted to say never - have I seen a post go completely unacknowledged, ever. Usually one of them will eventually catch a post that's being neglected and, if they can't help, ask anyone else who can help to please do so.

As for the Mods not posting on every thread, if other members have posted correctly, informatively, and responsively to the OP and all of OP's questions/problems have been addressed by other members, there's no point in their chiming in on the thread; if a thread has no posts by any Mods, it means other members have done a great job of answering the OP. Letting others contribute that way not only spreads around the burden of helping everyone, it's also kind of the point of these forums that discussion/participation by everyone is encouraged and expected. It also helps 'grow' new Mods to let others do their best to answer questions if they believe they have the correct or most helpful response.

As for your comment about Mods' high scores, many 'peons' on here have higher scores than the Mods; those who do have high scores (Mods & 'peons' alike) didn't achieve them just by 'getting their questions answered' by past Mods, early on in their own credit journeys; they earned them through hard work, savvy management of their credit and finances in general, and I'd bet you anything many hours of researching past threads on here and many other resources as well - all things any one of us can do to help ourselves achieve those 700+ scores.