topic Re: Addict thread in SmorgasBoard

Addict thread

Ravensfan2001 — Mon, 18 Mar 2013 04:20:48 GMT

I was looking for the recent thread about myfico.com addiction, but I don't remember which forum it's in.

It's past midnight here, and I have to wake up at 5am to get ready for a 12-hour shift. I can't seem to get myself off of my computer. I find myself searching for new topics that may pertain to my situation. I am sitting here thinking of new thread topics, even though for now, all my questions are answered. I keep checking SW for notifications. I even found myself looking through the auto loan forum, and I don't really have any business over there. I need help. Badly. But I guess this itch is better than an app itch. *sigh*

Re: Addict thread

DaBears — Mon, 18 Mar 2013 04:46:04 GMT

Re: Addict thread

LIGHTNIN — Mon, 18 Mar 2013 05:08:34 GMT

Maybe this is the thread you are looking for......http://ficoforums.myfico.com/t5/SmorgasBoard/You-know-you-have-been-spending-too-long-on-myfico-when/td-p/1934797

Also moving this thread to SmorgasBoard..........

because I believe it will get more views and replies there,then here in Rebuilding Your Credit.

Re: Addict thread

starry1 — Mon, 18 Mar 2013 05:33:25 GMT

There's also the bounce fix thread.

Re: Addict thread

Lasardo — Mon, 18 Mar 2013 06:10:09 GMT

Ravens fan-
Thanks fir the giggle. I can very much relate. I am done now..27 negatives removed thanks to MyFico.com LOVE YOU MYFICO!
If not for a few very talented members I would not be moving on to home buying but I keep lingering back to what I know "rebuilding your credit" I find the new area intimidating just like when I started. The whole idea of buying a house scares me to death.
I have taken 3 classes on the practice of buying but am still intimidated.. Any thoughts?

Re: Addict thread

Ravensfan2001 — Mon, 18 Mar 2013 19:03:23 GMT

Thanks Lightnin!

Lasardo, I want to be where you are. I'm aiming for next May. Just hang in there. Buying a house is big. And I'm sure you'll be fine. You will always have the support of the awesome people on this forum. Good luck with everything! And congrats on your credit accomplishment!

Re: Addict thread

kroberts67 — Mon, 18 Mar 2013 19:08:08 GMT

You make me feel better! The night I dreamed abpout fixing my friend's credit (she make the most money, has the best credit, is the most responsible) was the night I realized I have a problem. At least this won't make me fat?

Re: Addict thread

Ravensfan2001 — Wed, 20 Mar 2013 22:07:28 GMT

Okay, now I know I need help. I'm on this frickin website while I'm on a date with my husband. We're playing billiards and I'm on here when it's his turn. Help!

Re: Addict thread

Anonymous — Thu, 21 Mar 2013 00:10:04 GMT

@Ravensfan2001 wrote:
Okay, now I know I need help. I'm on this frickin website while I'm on a date with my husband. We're playing billiards and I'm on here when it's his turn. Help!

Lol! I don't think there is a 12 step program, Yet.

Re: Addict thread

MidnightVoice — Thu, 21 Mar 2013 13:42:36 GMT

I did write a 12 step program for Ficoholics, but it was so long ago it has been deleted from the history!

Re: Addict thread

Ravensfan2001 — Thu, 21 Mar 2013 14:36:37 GMT

That's just unacceptable. We need to find it STAT! Or at least create a new one!

Re: Addict thread

Anonymous — Thu, 21 Mar 2013 15:18:49 GMT

@MidnightVoice wrote:
I did write a 12 step program for Ficoholics, but it was so long ago it has been deleted from the history!

I remember reading that lol! I found it. Hope you don't mind MidnightVoice, I cut and pasted for everyone to see:

With apologies to Alcoholics Anonymous By MidnightVoice

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.

Re: Addict thread

Ravensfan2001 — Thu, 21 Mar 2013 16:51:35 GMT

@Anonymous wrote:
@MidnightVoice wrote:
I did write a 12 step program for Ficoholics, but it was so long ago it has been deleted from the history!
I remember reading that lol! I found it. Hope you don't mind MidnightVoice, I cut and pasted for everyone to see:

With apologies to Alcoholics Anonymous By MidnightVoice

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.

This is awesome for credit rehabilitation. But I'm starting to become addicted to the actual myfico.com website and the act of credit repair, if that makes any sense. HAHAHA!

This 12-step program needs to be pinned somewhere.

Re: Addict thread

MidnightVoice — Fri, 22 Mar 2013 14:34:31 GMT

Thanks for finding it. It was so long ago I didn't even remember what keywords to search for!