Sounds to me someone got scorned and blames others. This site offers wonderful advice but at the end of the day, one has to either accept it or do what they feel is right. No one is FORCED to follow advice. Similar to when you see all these bad reviews for something, chances are its from people who werent doing things right and expect immediate satisfaction then go to gripe so no one else will give their business. sure it easy to follow the leader here but that can happen with any thing you follow. 
I think you have to take any information you get (from this site or elsewhere) and apply your own critical thought to it rather than just buying whatever people are saying. That said, I do think MyFICO is good because generally people do not have an agenda of pushing any products on you (well, maybe your FICO scores). There are other sites where they clearly have an ulterior motive of getting you to sign up or apply for something.
Here are some basic ways to filter any data you receive (from here or elsewhere):
1. Get the facts & arguments; ignore the opinions. Draw your own conclusions based on the facts. One of the very best things about this site is that people are actually willing to share facts about their credit experiences. Of course, you have know idea if each individual is being honest with their facts, so you need to apply your own thinking - which leads to the next point.
2. Does the person posting/sharing information have anything to gain? At some sites, clearly they gain from clicks, referrals and apps that they generate. They have an incentive to tell you whatever it takes to get you to click or apply. Here, when someone shares their approval experience or something like that, I don't think they have much incentive to lie (unless they are a pathalogical liar or something); but judge for yourself.
3. Determine the overall atmosphere of the environment. Here, I would say people are open about sharing experiences and giving advice. A lot of people share a common experience (rebuilding after credit troubles among them), and they are supportive. Again, judge each person's stories for yourself, but there's no real incentive to mislead people around here, but sometimes there may be a mob mentality or someone who wants to be big guy on the block.
So, as with any site or piece of news, apply some critical thinking to determine what you can believe.
@wasCB14 wrote:Well, I've read many other posts by that person you quote, and I think he generally knows what he's talking about. He has excellent credit and "scorned" isn't the word that comes to mind.
This website does have a lot of bad advice and misinformation. There is a lot of good advice and accurate information, too, but this site has so many threads (and they are often disorganized) that the bad parts just linger like an infection. FT, for example, limits new threads so information is condensed and organized. Lots of savvy people look over the same posts and make corrections as necessary, resulting in much higher accuracy.
Which means absolutely nothing when it comes to measurement of quality as a human being or quality of advice given. That said thie user you reference I generally respect FWIW.
I've posted this previously over the years so will simply re-iterate it:
There are a number of credit oriented forums on the Internet; they each have their strengths and they each have things they could improve. The information is mostly the same, the people and the cultures are different though some do post on multiple sites. Not every site is optimal for all people, that'd be flatly impossible... so find a home and go with it.
In general MF is a good site, with a good community; yeah there are some downsides and over time we've tried to ameliorate that (by moving Approvals and even Applications out from the main Credit Cards board regarding the issue referenced) and I would object to the commentary that the majority of the users are suggesting people apply for everything under the sun as rank hyperbole.
Sure some bad information gets posted, but quite often it gets corrected. I'm not one to throw out something that's 95% good trying to get it to 99 or 100% if it means a radical change to the community. In other places in life that might be appropriate but not here.
@Anonymous wrote:Awesome answers...but no one has answered my question...what is the MyFico rabbit hole? O.o
Chasing all that glitters (credit cards and more credit cards) and finding that it's not gold. It's been a common refrain / issue over the years here, people get caught up in the euphoria of approvals and keep hitting the apply button when it's not beneficial from a credit or financial perspective. Or get sucked into one of the numerous FOTM sprees over the years (Nasa FCU, Duck/Beaver cards, etc), against any "rational" need... some find it addictive or the mob mentality mentioned above.
