Mod Reminders? Why no one giving datapoints?

[mgood]

---

@keekers wrote:
Another suggestion...ask the person for DPs, and if possible ask them to edit their original post with them so they aren't buried in the thread.

---

I've done that. When asked a question in a long thread, I've replied there and then gone back and edited the OP to put that info where it's easy to find.
One problem is that there's a limit to how long you can edit posts. I'm not sure how long, but after a certain amount of time you can not edit your old posts. So if it's not a new thread . . .

[NoHardLimits]

---

@mgood wrote:

---

@keekers wrote:
Another suggestion...ask the person for DPs, and if possible ask them to edit their original post with them so they aren't buried in the thread.

---

I've done that. When asked a question in a long thread, I've replied there and then gone back and edited the OP to put that info where it's easy to find.
One problem is that there's a limit to how long you can edit posts. I'm not sure how long, but after a certain amount of time you can not edit your old posts. So if it's not a new thread . . .

---

I've done this as well from both sides.  I asked others for more info when I wanted to know more details, and I added more info when I was approved but didn't supply all possible data points in my first post.  If I do edit a post, I try to explicitly state:  "Edit to include..."

[youngandcreditwrthy]

@Cowboys4Life 

and your post was great and provided a great amount of information for those potentially looking to help their scores(finances whether synonymous or not)

Its just like no info at all is being given. This isn't a bragging site. bahhh

even posting deep in the thread is fine cause like Im a nerd and personally Ill read all of it just to get that little bit of information.

wouldn't even want it to be a TOS "requirement" but its just gotten so bad lol in the past few months. like hardly anyone posts Datapoints.

Personally Ive had my identity stolen at dozen times since 2014 so I understand a little but I dont think that's a concern.

and I disagree.

FAKO scores can be helpful. FAKOs aren't really fakos anymore. CK uses Vantage. Synch Uses Vantage. There are so many scores, just gotta know which one for which loan you want.

Its a lot of information! haha

and yeah same, of course I ask but it seems like now no one cares LOL

what other sites are people going on to learn about credit these days? I miss the whogavemecredit site. Dang, I scoured that thing for HOURS AND HOURS. now it doesnt even come up as a legit site any more.

there used to be financeglobe too but havent checked that in awhile. Think its defunct also.   

Welp, just hope we all remember to pay it forward.

[mgood]

---

@youngandcreditwrthy wrote:

FAKO scores can be helpful. FAKOs aren't really fakos anymore. CK uses Vantage. Synch Uses Vantage. There are so many scores, just gotta know which one for which loan you want.

---

Sometimes I do see people being asked where they got that score. If I say my credit score is 750, that doesn't mean much. What credit score? Newbies don't always know this. If they say they got it from CK, then at least you know a ballpark of where they are. If someone says "They pulled Ex. I've read other DPs saying this lender uses FICO 8. My Ex 8 is 766." That's precise information. If we at least ask what score it is and where they got it, we can then make our own judgements about how good that info might be.

[CorpCrMgr1]

@Anonymous  were the good old FF better? Y & N. Definitely more posters. Also, people with excellent credit that, IMO, looked down on the rebuilders. Retail cards were called "toy" cards. Secured cards and rebuilder cards were belittled. People were more judgemental. There were those that did offer great helpful advice.  Good information was given to help those with poor credit. I think the Forums shot itself in the foot when it removed some non posters. Others, that hadn't been here on here in almost ten years were not taken off. I responded to a nine year old post. The Mod messaged me stating I would not receive a reply since the poster was obviously gone. The posting was then locked. Some posters are worth more than others. My two year hiatus lost me my former time and name. There are postings for CC that no longer exist. Some haven't for years! I have yet to receive a reply to three messages sent to the Mods.

[redpat]

---

@CorpCrMgr1 wrote:

@Anonymous  were the good old FF better? Y & N. Definitely more posters. Also, people with excellent credit that, IMO, looked down on the rebuilders. Retail cards were called "toy" cards. Secured cards and rebuilder cards were belittled. People were more judgemental. There were those that did offer great helpful advice.  Good information was given to help those with poor credit. I think the Forums shot itself in the foot when it removed some non posters. Others, that hadn't been here on here in almost ten years were not taken off. I responded to a nine year old post. The Mod messaged me stating I would not receive a reply since the poster was obviously gone. The posting was then locked. Some posters are worth more than others. My two year hiatus lost me my former time and name. There are postings for CC that no longer exist. Some haven't for years! I have yet to receive a reply to three messages sent to the Mods.

---

I would disagree, I don't think individuals looked down at anyone.  What has changed is that individuals cannot take constructive criticism and blame CCC for AA or other issues but not themselves.

I have been around here a long time and it was better before because there could be good conversation without the someone complaining about hurt feelings.  It's just the sign of the times when everyone gets a trophy, deserves perfect credit or whines about datapoints.

If someone wants DPs on approvals/denials there is PM or just go to creditboards / credit pulls - CreditBoards where there is plenty of data regarding approvals and denials.

[keekers]

---

@redpat wrote:

---

If someone wants DPs on approvals/denials there is PM or just go to creditboards / credit pulls - CreditBoards where there is plenty of data regarding approvals and denials.

---

That doesn't make sense.  One of the reasons people come here is to get all the information in one place.  Why would I come here for some information just to have to go elsewhere to look for another piece of the same puzzle?  Also, there's a whole segment of folks that are just lurkers that soak up the information posted.  Once you take stuff to PM you lose the visibility of the info.

[redpat]

---

@keekers wrote:

---

@redpat wrote:

---

If someone wants DPs on approvals/denials there is PM or just go to creditboards / credit pulls - CreditBoards where there is plenty of data regarding approvals and denials.

---

That doesn't make sense.  One of the reasons people come here is to get all the information in one place.  Why would I come here for some information just to have to go elsewhere to look for another piece of the same puzzle?  Also, there's a whole segment of folks that are just lurkers that soak up the information posted.  Once you take stuff to PM you lose the visibility of the info.

---

I don't, I use as many resources that I can and you should too.  You have to take all the information posted with a grain of salt, not gospel and look for more data/resources.

[Anonymous]

---

@redpat wrote:

---

---

I don't, I use as many resources that I can and you should too.  You have to take all the information posted with a grain of salt, not gospel and look for more data/resources.

---

Right, and this also applies to the advice givers.   I am often somewhat amused when someone posts something like:

"I am thinking of applying for card X, my scores are ... and I am Y/24...."

Some people then ask for a list of  all their cards, along with dates they got them, CL and balance etc.   All useful info, but without actually being underwriters for the issuers of card X, any advice is at best a guess.   

I'm sure people here will say that it's informed from experience, but... actually it really isn't.  To begin with, sample sizes are small and biased, we don't always get to hear the decision, there are those who don't apply because of the feedback who might have been successful etc and for any individual we don't know all the issues with the CR that might make or break a decision.    Yet advice givers are often confident!

It would be interesting to actually calculate the combined MyFico prediction success rate.

[keekers]

---

@redpat wrote:

---

I don't, I use as many resources that I can and you should too.  You have to take all the information posted with a grain of salt, not gospel and look for more data/resources.

---

That's actually the whole point.  It's not that a singular thread/person is taken as gospel; this place is so large that it has volumes of data points from lots of different people, situations, etc. Of course nothing is exact or perfect since every credit decision is individualistic but with enough anecdotal evidence you can craft a directional idea of how your own situation fits in.  When you lose the data points, you lose a big chunk of the ability to use this place as a valuable resource.