As I chimed on here a couple years ago, folks look at me with glazed eyes when I bring up credit. I have seen co-workers and friends open cards and put 90% on them(my stomach turned). Even at church folks only want to hear what will Dave Ramsey do advice.
I've tried but the bottom line equals LMAO! Like you said you can only lead the horse to the water...
I never try to give some credit advice. I know that it is just wasting time and efforts
I feel the same way. If people really wanted to improve their credit, typing "How to improve credit" into google is within most people's abilities. Anyone doing credit research is bound to come across MyFICO anyway.
I overheard a co-worker cut off another who was giving unsolicited personal finance advice, saying something to the tune of...
"John, you know the difference between my coffee and your advice?" John says what? The guy goes "I actually asked for this coffee." and walks out.
Unsolicited advice to those who aren't open to change only will frustrate the one giving it.