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The fine tunings of FICO scoring can be somewhat mysterious, but stepping back and looking at the big picture, it's not that difficult to figure out. Pay your bills on time and don't max out your credit cards. Crazy how the scoring system seems to assign low scores to people that don't follow those common sense guidelines. Definitely something sinister going on here.
@Walt_K wrote:The fine tunings of FICO scoring can be somewhat mysterious, but stepping back and looking at the big picture, it's not that difficult to figure out. Pay your bills on time and don't max out your credit cards. Crazy how the scoring system seems to assign low scores to people that don't follow those common sense guidelines. Definitely something sinister going on here.
That's crazy talk. What you are saying is that if you don't pay on time or go on spending sprees w/ paying it off fully your score drops?! That's unfair.
**puts on tinfoil hat**
**looks paranoid**
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Im a little confused.
To the OP....WHO was it that messed up your credit.....you or someone at MyFICO ?
Did they not pay your bills on time?
@Anonymous wrote:
Think about it...why would you trust a PRIVATE CORPORATION that fights so hard to keep their workings (and their board) a secret.....
I don't - but then every PRIVATE CORPORATION I know tries to maintain its proprietary information so that it can survive
@Anonymous wrote:Did they not pay your bills on time?
WHAT?!?!?! myFICO was supposed to be paying all my bills this whole time?!?!?!?! how dare them let me be responsible (or irresponsible) for my credit and my spending!!!!!
WHAT?!?!?! myFICO was supposed to be paying all my bills this whole time?!?!?!?! how dare them let me be responsible (or irresponsible) for my credit and my spending!!!!!
Honestly..and as politely as possible...the OP reminds me of my little brother.
He wants to get his paycheck...he just doesnt see why he has to WORK to get it.
I wish I were exaggerating, but Im not. His 'entitlement' attitude is nauseating.
@Anonymous wrote:FICO helps CREATE the crisis....the latter offers relief......both offer the dream of a better situation you will never see as long as you are in their grasp.
What really happens...2 wonderful profit centers for the CEO's in charge of the whole scam
Keep an eye out Wikileaks and others are "following the money" and will show you the ties very soon!
Think about it...why would you trust a PRIVATE CORPORATION that fights so hard to keep their workings (and their board) a secret.....
...But thats the idea, to keep your score low...keep you qualified for the MEGA intrest rates....The few that get the good rates is the HOOK and the BAIT...the other 95% are the suckers getting hauled to the boat to end up fried on the bottom line of the P&L...
You have an interesting attitude toward this, and may or may not be right. I know where you're coming from though, I spent several years living off the grid, working for cash, paying for everything in cash, and hating the system that kept me down. Then one day I woke up and realized there will always be "a system". There will always be "Haves" and "Have Nots". And whether this system is better or worse than than others is up for debate.
If you take a step back and look, you'll find that it's possible to move into the "have's" category. With a little attention to detail, and hard work, you can get what you want from the system. Here at this site is provided a simple road map that will take you into the category of "The few that get the good rates". You can manipulate the system into woking for you. You can even make the banks work for free! I have had thousands of ATMs available to me, tellers on hand ready to help, and a national infrastructure that makes my money available to me everywhere I go and I never pay a dime. Instead, it's paid for by those who can't avoid overdraft fees, who instead of figuring out the system just sit and complains while paying fee after fee.
The system isn't going anywhere, man. But it's just a simple game. You can win if you want to, you just have to be willing to learn how it works. And this system, unlike most others, allows ANYONE to become one of the 5% that get all the best.
What I've found in personal experience was when I blew off creditors and didn't pay bills, I got high rates or no loans at all. When I paid my bills on time, and honored my agreements, I qualified for great rates and loans. If you are one of "the suckers getting hauled to the boat to end up fried on the bottom line of the P&L" it's only because you let it happen. Want to stick it to the man? Beat him at his own game.
Because of his continued personal attacks on other members and his refusal to stop such attacks it's been decided by the admins and mods to ban this member (DoneWithUnfairIsaac).
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
@MarineVietVet wrote:Because of his continued personal attacks on other members and his refusal to stop such attacks it's been decided by the admins and mods to ban this member.
Which member? Not DWUI...? Aww, just when it was getting fun :-( lol