tk, I lurked on this board @2 years before corresponding with others. Since then I've researched and chat on many forums, but this one is by far my fav. The Mods allow people to express themselves but know when to reign it in, and most people are generally quite knowledgeable and love to offer advice based on their experiences. I have personally seen my FICO scores raise by almost 90 pts. learning how and when to dispute or determining the proper time to apply for credit. Like anything in life, take what others say as a guideline and do your own research to determine if it is the best course of action for your situation.
Starting Score: TU 595 EX 600 EQ 585
@MarineVietVet wrote:
@Anonymous wrote:why not just lock this thread? anyone recommending an outside site/forum is getting shot down with an edit.
If you'll read the Forum's Credit Repair Discussion Guidelines you'll understand why myFICO has to be very careful about discussion of credit repair and thus what other sites are allowed to be linked to from here.
So far none of the sites recommeneded fit the criteria of what is permitted.
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".
Sorry. I didn't realize when posting that this question would be controversial and/or touchy. 
Mods, you can delete my original post if it's causing problems.
@tk777777 wrote:
Sorry. I didn't realize when posting that this question would be controversial and/or touchy.
Mods, you can delete my original post if it's causing problems.
IMO your question is completely appropriate and not controversial at all.
The problem is other people not understanding why certain sites cannot be linked to. The reason for the restrictions is there for all to read if they would take the time to do so.
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:
@tk777777 wrote:
Sorry. I didn't realize when posting that this question would be controversial and/or touchy.
Mods, you can delete my original post if it's causing problems.
IMO your question is completely appropriate and not controversial at all.
The problem is other people not understanding why certain sites cannot be linked to. The reason for the restrictions is there for all to read if they would take the time to do so.
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".
In layman's terms (correct me if I'm wrong):
This forum limits advice and postings to clear ethical practices in credit improvement, like disputing only invalid items. When a member offers advice that may be illegal of unethical, a moderator comes in and edits or removes it, or responds with a clarification.
Some credit forums do not have any such concerns. Advice found there may contain "tricks" to hide true credit problems from view, including disputing everything valid or not, or how to rent credit in authorized user form. Some also may contain advice that leads to short term gain but long term detriment. Some sites are for hire services that claim to be able to fix your credit, when in reality you would do better on your own following the free advice here.
Myfico has decided that they do not want to promote, link, or reference sites that may contain items like this. I have seen plenty of sites linked in these forums; just no one has put any on this thread that the Mods don't reject.
Maybe if the Mods put up some links to sites that they have allowed in other threads this would be clarified.
