Time for the Government to put an end to FICO

[fused]

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@Anonymous wrote:

Hey fused -- you locked me out for saying caca.

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Huh??? What are you talking about? I haven't edited or locked anything. I enjoy my free speech and that of others.

[Anonymous]

better lock this one down...the opposition is beginning to out number the cheerleaders and PR plants...Looks like more and more people are not drinking the FICO kool-aid now-a-days....lol..... Like I said only a fool will play a game they have no chance of winning...and thats the FICO game.

Especially in these economic times "Flash the Cash" and say Ill take a 5 or even a 10% discount and pay you right now!....and just see how many salesman will say. Let me see what I can do. Used to be gold cards and such were shows of wealth......now the old plastic is about as "High class" as a cell phone...or a fake rolex watch made in china.

[Anonymous]

Sorry fused.  It wasn't you

[Anonymous]

I'm interested to know how you do all these things

with cash.

Please advise.

EQ  802 after BK

[BungalowMo]

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@Anonymous wrote:

better lock this one down..

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...and he still won't answer me. 

[Anonymous]

I use a few cards, never carry a balance (which I think may be a negative), have had many accounts and mortgages over the years, and I have never been over-extended, always paid on time, no defaults or other blemishes, and I would care about FICO's definition of credit except that, apparently, everyone else does.  My insurance premium statement notes cryptically that they were unable to offer me their lowest rate because of my credit score (around 720) at the time.  I played the game and called them and FICO.  They told me they don't know anything about me, just follow a formula based on the FICO score.  FICO, understandably, wouldn't tell me anything specific about my score, but offered me, for a fee, access to watch and score calculator/tuner programs, which I believe just keep you on the hook.  My complaint is that, regardless of your actual credit performance, that is actual history of obtaining and paying off credit, you can be disadvantaged by circumstance, e.g., profiling, such as too many cards, not enough cards, "too many inquiries", etc.  I have the resources to have full control over my credit:  to use it or not use it in any way I want, but I can't find out how to raise my score.  The game is very difficult to win, and not playing is not an option.

[BungalowMo]

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@Anonymous wrote:

I use a few cards, never carry a balance (which I think may be a negative), have had many accounts and mortgages over the years, and I have never been over-extended, always paid on time, no defaults or other blemishes, and I would care about FICO's definition of credit except that, apparently, everyone else does.  My insurance premium statement notes cryptically that they were unable to offer me their lowest rate because of my credit score (around 720) at the time.  I played the game and called them and FICO.  They told me they don't know anything about me, just follow a formula based on the FICO score.  FICO, understandably, wouldn't tell me anything specific about my score, but offered me, for a fee, access to watch and score calculator/tuner programs, which I believe just keep you on the hook.  My complaint is that, regardless of your actual credit performance, that is actual history of obtaining and paying off credit, you can be disadvantaged by circumstance, e.g., profiling, such as too many cards, not enough cards, "too many inquiries", etc.  I have the resources to have full control over my credit:  to use it or not use it in any way I want, but I can't find out how to raise my score.  The game is very difficult to win, and not playing is not an option.

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That's interesting, as I have never had insurance rates based on my credit or FICO score.  If your insurance company told you "they don't know anything about me, just follow a formula based on the FICO score", then it is time to find another insurance company.

[Anonymous]

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@Anonymous wrote:

better lock this one down...the opposition is beginning to out number the cheerleaders and PR plants...Looks like more and more people are not drinking the FICO kool-aid now-a-days....lol..... Like I said only a fool will play a game they have no chance of winning...and thats the FICO game.

Especially in these economic times "Flash the Cash" and say Ill take a 5 or even a 10% discount and pay you right now!....and just see how many salesman will say. Let me see what I can do. Used to be gold cards and such were shows of wealth......now the old plastic is about as "High class" as a cell phone...or a fake rolex watch made in china.

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I would like to know who is paying you to come here and try, and I do mean try, to disrupt things.  You seem so hellbent on dissuading people from using credit and/or care about FICO, I can only guess you are being paid to do this.  That and the probability you got turned down for credit and won't admit it and are now trying to blame it on a formula and not your own inabilities to maintain good credit.

Hopefully you aren't being paid by the amount of followers you think you have gotten.  As you can see, people who care about their credit, understand the need for it and  want to help others far outwiegh your onesided rants.  And we do it all for free.

[Anonymous]

@Guiness: I doubt that he is being paid--and I'm quite certain that he's a He. There is a certain strain of human being who, being bored by happiness and peace, lives to stir up trouble. The posts from him show him to be one of that sort. He makes an outrageous premise, refuses to listen to anything that will either a)modify his position or b)refute it, and continues to work to annoy people by grandiose and irritating statements.

My guess is that he's in his late 60's or early 70's, but has never outgrown the petulant child stage of life. It's sad, really. There are a lot of "hims" on the internet, I happen to participate, irregulary, on a site that's very liberal (as am I) and I see them there whenever I look at posts. They deliberately choose positions that trend opposite to the majority of the posters in any given forum. If they had anything of substance to say, it might be interesting. I enjoy, for example, a good conversation with a conservative person who is willing to give and take in that conversation. But someone who's shouting just to p*** people off is a big, overgrown baby.

[Anonymous]

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@Anonymous wrote:

@Guiness: I doubt that he is being paid--and I'm quite certain that he's a He. There is a certain strain of human being who, being bored by happiness and peace, lives to stir up trouble. The posts from him show him to be one of that sort. He makes an outrageous premise, refuses to listen to anything that will either a)modify his position or b)refute it, and continues to work to annoy people by grandiose and irritating statements.

My guess is that he's in his late 60's or early 70's, but has never outgrown the petulant child stage of life. It's sad, really. There are a lot of "hims" on the internet, I happen to participate, irregulary, on a site that's very liberal (as am I) and I see them there whenever I look at posts. They deliberately choose positions that trend opposite to the majority of the posters in any given forum. If they had anything of substance to say, it might be interesting. I enjoy, for example, a good conversation with a conservative person who is willing to give and take in that conversation. But someone who's shouting just to p*** people off is a big, overgrown baby.

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Very well said.