@Anonymous wrote:I am very often tempted to say, "Google it **** ***"
What do the stars mean?
FICO 8: 
Goal: Gardening!
Goal: Gardening!
I got my first "mod cut" this week. I guess some of us actually have "used" some of those taboo responses. 
But it wasn't mean spirited, just a double entendre about liking large CL's. And I do admire the good credit management it takes to get those lines up at the $25K+ range. I hope mine keep increasing. I really didn't think it was that out of line at the time, and never would have posted something I thought would offend. (I actually thought it was funny- shows what I know...)
I am relatively new out here, but there have been times that I have wanted to say "Really?? You thought making a 25th app after 22 rejections this month was a good idea?" or the people who have brand new credit profiles, low incomes, and collections yet can't understand why they did not get a CLI from $500 to $10000 on their recon, and then ask "Do you think I should try and recon again?"
@crunching_numbers wrote:I got my first "mod cut" this week. I guess some of us actually have "used" some of those taboo responses.
But it wasn't mean spirited, just a double entendre about liking large CL's. And I do admire the good credit management it takes to get those lines up at the $25K+ range. I hope mine keep increasing. I really didn't think it was that out of line at the time, and never would have posted something I thought would offend. (I actually thought it was funny- shows what I know...)
I am relatively new out here, but there have been times that I have wanted to say "Really?? You thought making a 25th app after 22 rejections this month was a good idea?" or the people who have brand new credit profiles, low incomes, and collections yet can't understand why they did not get a CLI from $500 to $10000 on their recon, and then ask "Do you think I should try and recon again?"
My bad.
Yes it is hard sometimes when you want to tell someone not to apply for this or that when you know they will get rejected. I don't feel bad when the complain about it though.
I have noticed lately I can ramble off topic if given a chance. Probably comes with the territory of being at this forum for awhile and starting to get comfortable with the regulars, and being in the garden for the rest of the year so apping and credit isn't the main thing on my mind right now. Basically starting to see some threads as a chance to chew the fat.
Webhopper my views on auto loans is don't take them out. I have had two cars, both hand me downs from my parents, and I can see the current one lasting a decade or even longer. Just took it pretty hard though. Got new brakes and tires, which I planned on, then a week after that it was leaking oil and had to get the pump replaced and 900 bucks just blindsided me, on top of what I already paid for tires and brakes. I am glad I am able to take advantage of the 0% APR on my discover card to ease the pain for a few months. Still better than paying a car payment for several years.
When I do decide to buy a car I will start putting away some money each month, then when I get to about 15k put away I will start browsing the used car lot, and if I see something that has great gas mileage and the cost is within the money I have saved, then I will buy it. Spending 50k on a car to me is completely out of the question. A car is just a piece of metal to get you around town, so the less I spend on a car, and the better fuel efficiency, the more money for my travel budget. 
@Anonymous wrote:Ever read a thread and have to back slowly away because your response would be inconsistent with forum norms?
It happened to me a few years ago. Was reading a thread where someone complaining about an old medical bill posted the doctor didn't need the money and would only use it for a Benz payment. I started typing something along the lines of "Keep that in mind next time you get sick", actually it may have been a little worse and then quickly deleted, LOL!
What are the responses you couldn't type?
I tend to get perturbed (type response, walk away, come back, delete response... Post something nicer, but not quite what I *really* wanted to say, LOL!) when the "Three Post Wonders" storm in to 1) Scream about (usually in all caps) their impossible credit problems, and how the entire world should crash and burn because they can't get whatever they want *yesterday*, 2) Angrily retort that yes they are hopeless, helpless, and being kept down by "The Man", so stop trying to convince them otherwise when several somebodies offer information that would allow them to start helping themselves dig out, and finally, post 3) The final angry outburst accusing us all of being shills for FICO, before they flounce away in a huff...
Sometimes, seeing the first post, and *knowing* where it's going, I just want to say, "Yep. You're doomed. Want a cookie?" 
@ Lilmirth,
You need to understand one thing: they're the only person in the world to ever have a problem or setback.
I do occasionally wonder how someone who has been struggling financially for years is gonna swing doubling or tripling monthly expenses with a new house. I don't wonder enough to ask directly, though. Morbid curiosity would be perceived as rude.
I have a horrible tendency to speak brutal, honest truth...no matter how blunt or hurtful, and I frequently do it in person 
It's not that I think I'm better than people....it's that I'm amazed at some people's stupidity. I'm not the smartest BUT if our country required a certain IQ level to have babies, I would pass 
Tough love ain't easy, especially on an Internet message board.
I've typed a lot out, and I've erased a lot before posting, generally along the lines of, "You freakin' idiot, you've been here for four months! Don't you read ANYTHING? Do you even THINK???" And then I take it out.
In my experience, maybe two-thirds? --more likely one-half --respond to tough-love messages. The others just aren't rational, at least not in this area of their lives, and all they'll do is get huffy and act hurt.
I also keep in mind that lots of people, especially newbies, are going to read the posts. To me, it's important that others be able to learn something from our posts here, and also pick up on how we roll around here, and more importantly, how we don't.
edited because I forgot about iPads and paragraphs on the forums, and the lack thereof.