Do you have Compulsive Credit Seeking Disorder (CCSD)?

[Anonymous]

Compulsive Credit Seeking Disorder (CCSD) is a real disorder that may point to underlying problems in your life. For some people, the act of constantly seeking and establishing credit is an escape/defense mechanism from other issues in their life. It falls under the greater umbrella of Obsessive Compulsive Disorders (OCD).

Symptoms of CCSD include:

• Applying for new credit even when you obviously don't need it
• Going on app sprees
• Frequent CLI requests
• Going out of your way to artificially improve your score such as through frivolous disputes to the CRAs etc.
• Having 6 or more hard inquiries on your report within a 12 month period
• Daily pulling of ones credit report
• Obsession over UTI ratio, balances reporting, etc.
• Reading sites like MyFico and CB religiously.

Treatment for CCSD include getting the victim to acknowledge that they have a problem and helping them find and address the root cause of the disorder in their life.

[Anonymous]

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@Anonymous wrote:

Compulsive Credit Seeking Disorder (CCSD) is a real disorder that may point to underlying problems in your life. For some people, the act of constantly seeking and establishing credit is an escape/defense mechanism from other issues in their life. It falls under the greater umbrella of Obsessive Compulsive Disorders (OCD).

Symptoms of CCSD include:

• Applying for new credit even when you obviously don't need it
• Going on app sprees
• Frequent CLI requests
• Going out of your way to artificially improve your score such as through B* , frivolous disputes to the CRAs etc.
• Having 6 or more hard inquiries on your report within a 12 month period
• Daily pulling of ones credit report
• Obsession over UTI ratio, balances reporting, etc.
• Reading sites like CB religiously.

Treatment for CCSD include getting the victim to acknowledge that they have a problem and helping them find and address the root cause of the disorder in their life.

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No

I have got close to 6 inquires in rebuilding.

I only worry about Util when planning an app.

I gave up on the CB board years ago ( Too much false info, bad advice, and obnoxious posters).

However

I do spend a little too much time on this board.

And I keep an ongoing credit improvement plan that looks several years ahead. 

[Anonymous]

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@Anonymous wrote:

Compulsive Credit Seeking Disorder (CCSD) is a real disorder that may point to underlying problems in your life. For some people, the act of constantly seeking and establishing credit is an escape/defense mechanism from other issues in their life. It falls under the greater umbrella of Obsessive Compulsive Disorders (OCD).

Symptoms of CCSD include:

• Applying for new credit even when you obviously don't need it
• Going on app sprees
• Frequent CLI requests
• Going out of your way to artificially improve your score such as through B* , frivolous disputes to the CRAs etc.
• Having 6 or more hard inquiries on your report within a 12 month period
• Daily pulling of ones credit report
• Obsession over UTI ratio, balances reporting, etc.
• Reading sites like CB religiously.

Treatment for CCSD include getting the victim to acknowledge that they have a problem and helping them find and address the root cause of the disorder in their life.

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That describes the majority of people on this board!  Me included!! LOL!!

[andre181]

This is definitely me. Those are some very hard habits to break.

Also, be careful mentioning B* here. That is one topic that is not allowed.

[webhopper]

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@Anonymous wrote:

Compulsive Credit Seeking Disorder (CCSD) is a real disorder that may point to underlying problems in your life. For some people, the act of constantly seeking and establishing credit is an escape/defense mechanism from other issues in their life. It falls under the greater umbrella of Obsessive Compulsive Disorders (OCD).

Symptoms of CCSD include:

• Applying for new credit even when you obviously don't need it
• Going on app sprees
• Frequent CLI requests
• Going out of your way to artificially improve your score.
• Having 6 or more hard inquiries on your report within a 12 month period
• Daily pulling of ones credit report
• Obsession over UTI ratio, balances reporting, etc.
• Reading sites like CB religiously.

Treatment for CCSD include getting the victim to acknowledge that they have a problem and helping them find and address the root cause of the disorder in their life.

---

Omg according to this I do have it!

• Applying for new credit even when you obviously don't need it  (Yes, I applied for a Lowes card even though I really don't need additional credit )
• Going on app sprees:  Yes, last app spree was 1/1/12, it was a mini Amex one.
• Frequent CLI requests:  Guilty 
• Going out of your way to artificially improve your score.  (i do not do this)
• Having 6 or more hard inquiries on your report within a 12 month period:  YES!
• Daily pulling of ones credit report:  Daily pull of 3 bureau report
• Obsession over UTI ratio, balances reporting, etc.:  Yes
• Reading sites like CB religiously.  I read MyFico religiously...  I do not read CB

[Anonymous]

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@webhopper wrote:

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@Anonymous wrote:

Compulsive Credit Seeking Disorder (CCSD) is a real disorder that may point to underlying problems in your life. For some people, the act of constantly seeking and establishing credit is an escape/defense mechanism from other issues in their life. It falls under the greater umbrella of Obsessive Compulsive Disorders (OCD).

Symptoms of CCSD include:

• Applying for new credit even when you obviously don't need it
• Going on app sprees
• Frequent CLI requests
• Going out of your way to artificially improve your score such as through B* , frivolous disputes to the CRAs etc.
• Having 6 or more hard inquiries on your report within a 12 month period
• Daily pulling of ones credit report
• Obsession over UTI ratio, balances reporting, etc.
• Reading sites like CB religiously.

Treatment for CCSD include getting the victim to acknowledge that they have a problem and helping them find and address the root cause of the disorder in their life.

---

Omg according to this I do have it!

• Applying for new credit even when you obviously don't need it  (Yes, I applied for a Lowes card even though I really don't need additional credit )
• Going on app sprees:  Yes, last app spree was 1/1/12, it was a mini Amex one.
• Frequent CLI requests:  Guilty 
• Going out of your way to artificially improve your score such as through B* , frivolous disputes to the CRAs etc.  (i do not do this)
• Having 6 or more hard inquiries on your report within a 12 month period:  YES!
• Daily pulling of ones credit report:  Daily pull of 3 bureau report
• Obsession over UTI ratio, balances reporting, etc.:  Yes
• Reading sites like CB religiously.  I read MyFico religiously...  I do not read CB

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I don't know what CB is, but I am with you in reading MyFico religiously!  I don't do frivolous disputes either.  Everything else is definitly me!

[Anonymous]

I have it too. That's why I started the thread. I wonder what causes one to develop CCSD in the first place?

[kclb]

I plead the 5th.

[Anonymous]

You don't have to have every single symptom. Having three or more is a sign that you have the disorder.

[jsickz32]

*raises both hands*