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Confessions...of a credit geek

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Frequent Contributor

Confessions...of a credit geek

They say that those who are born-again into religion are the most zealous. I've noticed the same phenomenon here, with those of us who have earned our second chance with credit.
 
When I charge something on my credit card, I get a little thrill out of PIF'ing it just in time. It's like playing a video game. Take THAT, credit scores!
 
When I spend cash, I get a little thrill out of NOT using a credit card.
 
I stare at my credit reports the way some people look at porn.
 
I get excited about all those little OK symbols on my FAKO report. Look how pretty!
 
I desperately want to talk credit scores with people I know, even shortly after meeting them.
 
I feel smug and superior when I find a mistake on a report, and send a letter requesting that it be corrected, because I know I'm actually right.
 
I know I USED to do other stuff on the internet, I just can't for the life of me remember what it was.
 
Yes. I am...a credit geek.
 
 
FAKO TU: 730 (Too poor to check the real scores these days!)
Message 1 of 47
46 REPLIES
Established Contributor

Re: Confessions...of a credit geek

Yep, me too!!!Smiley Very Happy The funny thing is, when I try to make small talk with people about fico and credit, they don't seem interested..they give me that weird look...mabey I need to be a closet credit geek!
Message 2 of 47
Frequent Contributor

Re: Confessions...of a credit geek

Well, I want to talk about it...I didn't say I did. Smiley Happy
 
Of course, if they bring it up....
FAKO TU: 730 (Too poor to check the real scores these days!)
Message 3 of 47
Super Contributor

Re: Confessions...of a credit geek

Other symptons:
 
When you are with a group of poeple you offer to pay the tab saying that you havent used your PIF CC in a few months and need to exercise it a bit.
06/23/2018: FICO 830 EQ 827 TU 824 EX
Message 4 of 47
Super Contributor

Re: Confessions...of a credit geek

I was traveling with a colleague (on United) and the prices of gas and United/Chase signature cards came up, which led to me giving a one hour lecture on gas card rebates, signature cards and CLs, rewards and Amex.  Smiley Very Happy
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 5 of 47
Established Contributor

Re: Confessions...of a credit geek

ha ha ha ha this is sooo funny! I feel the same way... I cant for the life of me figure out why fico isnt as important to everyone else..... I dod hte happy dancce when I get something off or a new CC... my assistant said She think I found my calling.... I dont know about that!
6/9/08 FICO TU 697 EX698 EQ 618uti 6% (once new accounts hit) BIZ- DUNS 80, EX 35
GOAL 2008- 700s+ new car
2010 BE a first time buyer
Message 6 of 47
Regular Contributor

Re: Confessions...of a credit geek

This is too funny!!! I talk about credit alot to my DH and grown kids. They get real quite, then need to go....umm
Message 7 of 47
Valued Contributor

Re: Confessions...of a credit geek

ME TOO!!!! It's so funny!
 
One time, months ago, I saw a woman in line at the grocery store, pulling cc's from her wallet and considering which one to use for her purchase. At the time, I thought "ugh, she's so overwhelmed with credit that she doesn't even know which CC has enough $$ left on it to pay for her groceries... and what kind of person is so broke that they have to use a CC to buy GROCERIES??!"
 
Now, I look back and think that she was probably considering which one needed a little "exercise" and weighing which one would give her the most points for this purchase.. LOL
 
 
DH isn't always quite able to quantify what our score increases mean.. if I tell him, you're at a 650 NOW!!! He stares blankly and says "ok, great!" So I have to make it real for him.. "do you realize that means that you could get 2-3% lower IR on your truck??" Then his eyes light up Smiley Happy
Message 8 of 47
Frequent Contributor

Re: Confessions...of a credit geek

This is fabulous!  I'm NOT alone!!  LOL!
 
 
Message 9 of 47
Moderator Emerita

Re: Confessions...of a credit geek


pjxf99 wrote:

...I stare at my credit reports the way some people look at porn...

Smiley Very Happy ROFLMAO Smiley Very Happy


marty56 wrote:

Other symptons:

When you are with a group of poeple you offer to pay the tab saying that you havent used your PIF CC in a few months and need to exercise it a bit.


especially if you don't say "my pay-in-full credit card", but instead actually say "PIF CC"!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 10 of 47