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I spend more time on MyFICO than Facebook! Am I losing my mind?

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Regular Contributor

I spend more time on MyFICO than Facebook! Am I losing my mind?

Did anyone else experience this when they first joined? It's the first place I log into after checking my cc accounts of course. I'm obsessed! I can't get enough. I sit here and read and read topics that often have nothing to do with my situation. I specfically love reading about others' credit journeys and their new approvals. Is this normal?

Starting Score 14/6/19: EX634 EQ683 TU663
Current Score 1/7/20: EX 687 EQ 685 TU 687
Goal Score: 700


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29 REPLIES 29
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Super Contributor

Re: I spend more time on MyFICO than Facebook! Am I losing my mind?

This place can save you money, and even make you money. It can also prevent bad, uninformed decisions. These are the motivations for most around here.

 

Facebook, not as much benefit.

 

<edited for spelling>

Message 2 of 30
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Community Leader
Super Contributor

Re: I spend more time on MyFICO than Facebook! Am I losing my mind?

I like to come here sometimes







Message 3 of 30
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Re: I spend more time on MyFICO than Facebook! Am I losing my mind?


@FrenchFico wrote:

Did anyone else experience this when they first joined? It's the first place I log into after checking my cc accounts of course. I'm obsessed! I can't get enough. I sit here and read and read topics that often have nothing to do with my situation. I specfically love reading about others' credit journeys and their new approvals. Is this normal?


In a nutshell, yes and no. 

It's normal for you because you're working on your credit and you probably find those stories inspiring. Rebuliding is a hard work, so a little hope and a feel-good story helps take some of the pressure off.

The no part is that rebuilding can become very consuming. It borderlines on OCD. 

So, nothing wrong with what you're doing, but don't let credit take over your life.  

 

 

 

 

I read that banging your head against a wall for one hour burns 150 calories.
If that was the case my scale would have negative numbers.
Message 4 of 30
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Frequent Contributor

Re: I spend more time on MyFICO than Facebook! Am I losing my mind?


@FrenchFico wrote:

Did anyone else experience this when they first joined? It's the first place I log into after checking my cc accounts of course. I'm obsessed! I can't get enough. I sit here and read and read topics that often have nothing to do with my situation. I specfically love reading about others' credit journeys and their new approvals. Is this normal?


I hope it's normal, because I'm doing the same.  I've got my rebuild to the point where there is nothing else I can actively do other than monitor, let age and keep utilization in check.  I'm planning on applying for a mortgage late next Spring, so I'm allowing my credit OCD to continue to ensure nothing goes awry between now and then.  Hopefully, I can start weaning myself after that point....but there's not guarantee. Smiley Very Happy

Starting FICO 8 December 2017

FICO 8 as of 6/7/20



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Established Contributor

Re: I spend more time on MyFICO than Facebook! Am I losing my mind?

I come and go.  Sometimes I spend an inordinate amount of time sometimes not so much.  It's a great forum regardless with lots to learn from.



Message 6 of 30
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Senior Contributor

Re: I spend more time on MyFICO than Facebook! Am I losing my mind?


@Remedios wrote:

don't let credit take over your life.  

I had a dream....anybody know what I'm talking about?!?Smiley HappySmiley SadSmiley Tongue

 

 

 


 

”MY TAKE HOME PAY DON’T TAKE ME HOME”

Message 7 of 30
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Re: I spend more time on MyFICO than Facebook! Am I losing my mind?

So do I. By a long shot lol

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Message 8 of 30
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Regular Contributor

Re: I spend more time on MyFICO than Facebook! Am I losing my mind?


@kilroy8 wrote:

This place can save you money, and even make you money. It can also prevent bad, uninformed decisions. These are the motivations for most around here.

 

Facebook, not as much benefit.

 

<edited for spelling>


So true! I never would have learned about gardening if it weren't for this forum! 

Starting Score 14/6/19: EX634 EQ683 TU663
Current Score 1/7/20: EX 687 EQ 685 TU 687
Goal Score: 700


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Message 9 of 30
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Re: I spend more time on MyFICO than Facebook! Am I losing my mind?



 

The no part is that rebuilding can become very consuming. It borderlines on OCD. 

So, nothing wrong with what you're doing, but don't let credit take over your life.  

 

 

 

 


I'm can safely say that I'm in the OCD stage. Any free time I have is either on the boards or checking my cards. I have my goal cards on a vision board. I've offically checked out! 

Starting Score 14/6/19: EX634 EQ683 TU663
Current Score 1/7/20: EX 687 EQ 685 TU 687
Goal Score: 700


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