A lot has changed because of Myfico

[Anonymous]

Since becoming a member 2+ months ago (had a different user name) I Have come a long way. I understand credit is one big game and you have to play it well to be rewarded.

I started with a 2k cap 1 QS and a 5k NFCU nRewards.

I now have a 15k NFCU cash rewards (PC), 4.5k Freedom, 2k cap 1 QS, 1k DiscIT. 15k NFCU LOC.

I also have refinanced both cars dropping interest to 3%/4% respectivly.

Next step is buying a house. Thank you MyFico members.

[b_diddy]

Yay!  Congrats on your progress!

[Anonymous]

The wealth of knowledge and experience here is unbelievable.

[bdhu2001]

Congrats!!! You learn so many things here that never occurred to you before. For instance, I would you have ever realized that it's best to keep a small balance on one card?

I don't think so.  It certainly never occurred to me.

[Anonymous]

What I thought about credit was all wrong. Its crazy the rumors you hear about what is right.

[Anonymous]

---

@Anonymous wrote:
What I thought about credit was all wrong. Its crazy the rumors you hear about what is right.

---

But also be cautious here!  Some stuff here is just personal opinion or wrong, and if said confidently enough and repeated otten enough, it gets treated as truth.   This includes things like Amex with FR if you carry a balance (or one of hundred other things), Cap One is totally without any redeeming features, the Cash + card is useless now it has been nerfed, apply for card X for a high limit.....   Do a bit of sanity checking rather than just following prevailing sentiments here.

As with the rest of life, sadly sometimes those most wrong sound the most confident

[USF813]

---

@Anonymous wrote:

---

@Anonymous wrote:
What I thought about credit was all wrong. Its crazy the rumors you hear about what is right.

---

But also be cautious here!  Some stuff here is just personal opinion or wrong, and if said confidently enough and repeated otten enough, it gets treated as truth.   This includes things like Amex with FR if you carry a balance (or one of hundred other things), Cap One is totally without any redeeming features, the Cash + card is useless now it has been nerfed, apply for card X for a high limit.....   Do a bit of sanity checking rather than just following prevailing sentiments here.

As with the rest of life, sadly sometimes those most wrong sound the most confident

---

Totally agree with this. I'd add the endless pushing people to apply for more credit when they don't truly understand the mental/emotional health of the person they are encouraging. 

[App_Addict]

Awesome Job, keep up the great work!

[Anonymous]

LTL & USF. I totally agree. I know i am in a great mental and financial state with good self control now but had I found this place few years ago I'd been in deep doo doo.

I am impulsive by nature with an addictive personality and quickly learned the dangers of these threads but I more so know whats at stake and how to control the erges

[Anonymous]

I guess im really saying is this place tought me how to have a "thicker" more diverse file than the one I had. I now look credible and it has paid off.