topic Re: Credit obsessed in SmorgasBoard

Credit obsessed

pats23 — Sat, 30 Mar 2013 00:40:47 GMT

anyone else obsessed with credit....not obtaining crazy amount just like crazy obsessed with being perfect. I check this forum more than facebook at this point and can't consume enough knowledge...at work I try to talk a little credit with co-workers and they just look at me funny. I feel like the majority of the world has no clue ...

This just me??

Re: Credit obsessed

namvet — Sat, 30 Mar 2013 02:46:28 GMT

No it's not just you. There is a lot to learn in the credit game. Most people don't know much about credit and are not interested, People on this forum are interested and have a lot to say. There are even a few here that are credit obsessed other than you. Too bad they don't teach this subject starting in grade school.

Re: Credit obsessed

new_earth — Sat, 30 Mar 2013 04:56:38 GMT

It is seriously ridiculous how uneducated a lot of us are or were. I can't believe how much knowledge I lacked in the past when trying to start a credit history. I had no clue what I was doing and ruined it. I hope this is my last and final successful attempt. I've already learned so much from these forums that I never knew. I've been pretty obsessed the last week, not even sure where the desire came from other than being turned to down to refinance my car for a lower payment.

Re: Credit obsessed

oscar_actuary — Sat, 30 Mar 2013 07:54:03 GMT

I'm getting there.

I have great credt simply because of a sense of duty and no likey paying interest. Not so much by purpose

I never worred much about loan rates on cars because I aggressively paid them off. Almost, as if I punished myself for borrowing rather than fighting for lower rates.

That has all changed with recent awesome refis. I am paying closer attention to keeping a great score and will look to massage it further and have a better attitude overall towards borrowing

Re: Credit obsessed

Anonymous — Sun, 07 Apr 2013 20:11:54 GMT

They should force high school kids to pass a consumer credit class in order to graduate.

Re: Credit obsessed

Anonymous — Sun, 07 Apr 2013 20:19:13 GMT

And yes, I'm obsessed right now. I also actually have adhd, and that helps matters none at all. I get hyper-focused on things, to the point of slacking on others. It usually abates when I "learn" whatever the new and shiny thing is, but there is so much to learn here... I might end up with this as my long term "SQUIRREL!"

Re: Credit obsessed

SpiceIslander — Fri, 19 Apr 2013 01:11:36 GMT

You are NOT alone. I rarely post (usually too lazy to log in) but read these boards 4 - 5 times each day! I should really post more, especially since I gain so much from the site but I'm usually reclining with a cup of coffee and too comfortable to sit up and type. LOL!

Re: Credit obsessed

kibarrow — Sat, 20 Apr 2013 07:14:35 GMT

Fellow obsessor!
Pageonce umpteen times per day
Use an pay in full
mint once or twice
Identity guard blah blah
Not just you

Re: Credit obsessed

rebuildingmission2013 — Sat, 20 Apr 2013 17:20:24 GMT

+1 hausfrau

High schoolers need to be taught the ins and outs of credit before 18. Hopefully soon this will become an achievement standard in schools like learning to write checks, etc...

Re: Credit obsessed

kibarrow — Sat, 20 Apr 2013 17:24:56 GMT

Yes... So agree!. And I'm hoping my youngsters follow the lessons taught when they take off for school.
Credit card/banks love students... They're not allowed to setup shop like they did in the student centers anymore but they're mailing. Had to add him to the opt out!
So much more than getting an A in math, and then not grasping what 14% can do if left unattended.
I agree with SpiceIslander. I have gained so much but need to post.

Re: Credit obsessed

Anonymous — Sun, 21 Apr 2013 03:57:42 GMT

I currently work with a guy who has no clue on credit. His wife told him he isn't allowed to have credit because its bad and they pay cash for everything. I had to educate on credit and explained to him why it's important. I do wish they had a Credit/Money Managment class for High School.

Re: Credit obsessed

Anonymous — Mon, 22 Apr 2013 01:39:05 GMT

You are not alone. Lately I've been a little too involved in it.

I remember ordering FAKO scores two years ago... yeah, I thought they were THE credit scores.

It gets even worse, 5 years ago I financed my car at the dealership

Re: Credit obsessed

nickf4rr — Mon, 22 Apr 2013 03:19:22 GMT

Paying cash for everything isn't necessarily bad, though I'd be curious to know why she feels that way.

Perhaps your colleague's wife was traumatized as a child watching her parent's posessions get hauled off by the Repo Man.

It seems like most people here aren't really obsessed with using credit for a particular purpose as much as they are obsessed with gaming their way into a lot of it.

I'm only here because I want one card very, very desperately--and that's for the rewards that come with it!

Re: Credit obsessed

kibarrow — Mon, 22 Apr 2013 05:25:23 GMT

Nickf4rr,
The Repo man comment was the first unnecessary comment I've come across in the forum. Bound to happen.
Congrats man. Feel better... Okay let's move on.

Re: Credit obsessed

kibarrow — Mon, 22 Apr 2013 05:27:17 GMT