I will gladly take our myfico community over other similar communities out there. We help and encourage each other here and it's a great thing to see. 
@AverageJoesCredit wrote:
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.
+1 AverageJoes
@jeffery581 wrote:Yes, We are better.
My fico score went from 534 to 739.
This website has helped me repair and build my credit.
Good rewards on the money I spend.
I have seen no favoritism.
You ask for advice you get it.
You ask for opinions you get them.
You also have to use a little common sense.
Before I joined this website I did not know anything about credit. Now, I bet I could give accurate and correct advise on just about anything credit related. (toot toot)
+1
Only want to add i was not trying to insuate the person being quoted was in fact a person with bad credit rhat was scorned etc etc, i just equated it to like an example of how sometimes people have a negative experience and want everyone else to have a negative experience as well. I honestly dont even know who said person is as i do not read other credit forums and was just trying to give some positive vibes for the forum i love and respect.
Sure there will always be some overhyping or things said like they are gospel here but i just wanted to say that at the end of it all each one of us must decide how to take said advice or info imparted here. . Apologies if my original statement came out wrong.
Sure there will always be some overhyping or things said like they are gospel here but i just wanted to say that at the end of it all each one of us must decide how to take said advice or info imparted here. . Apologies if my original statement came out wrong.
MyFico and the forums were my first stop to gain knowledge on credit, since then I have visited many sites and NONE have been as helpful as what we refer to as "the forums". Also what you quoted on someone said that people on here encourage others to apply for everything is hugely FALSE! I used to be that member that would apply for something multiple times a week (many people on here can confirm this 
) but I learned from people urging me to stop applying and telling me what would happen (AR, account closures, etc..) to not do that.
) but I learned from people urging me to stop applying and telling me what would happen (AR, account closures, etc..) to not do that.
@wasCB14 wrote:
@Anonymous wrote:
@jeffery581 wrote:
Before I joined this website I did not know anything about credit. Now, I bet I could give accurate and correct advise on just about anything credit related. (toot toot)
Really? Well, maybe! One of the "flaws" I have seen on this site (much more than say FT) is overly-confident advice, that is often distilled from posts that have repeated over the years, which may no longer be true, if they ever were. These are things like "Bank X likes/hates thing Y [carrying a balance, doing BT, getting other cards etc]"
That, and not so much YMMV as much as Your Need May Vary: while I want to get $25M in total CL, that might not be your goal, so me telling you to go for all the CLIs you can get might not be the right advice.
But maybe jeffery581 does have all the knowledge....
Exactly! The zeal to teach and help is so strong that many here don't stop to ask themselves:
1. Am I sure that what I'm presenting as fact is really true?
2. Am I sure that, in giving advice, I understand the advisee's situation and priorities?
Sometimes people like to go for FOTM cards, and sometimes we assume that people with similar cards have similar needs and finances.
I'm not worried about someone here trying to sell me something; I'm worried that they are speaking well beyond their expertise and that no one will correct them in a timely manner.
My comment about the "anonymous" source's excellent credit was relevant to establish that AJC was wrong in speculating that the source has bad credit, blames others, and is unhappy after following advice on this website.
I wasn't saying that credit-smart people always have high FICO scores, or that all people with high FICO scores know a lot about credit. Rebuilders can learn a lot, and people who just pay their bills on time can have excellent scores without any advanced knowledge.
Well, some people find it difficult to 'correct' someone, or to voice an opinion that said person might have done the wrong thing, etc. Such comments often result in dire warnings/reminders to be only friendly and respectful. So when someone posts about how they applied for a dozen new store cards, the people who want to state that they did the wrong thing and start a discussion, would risk a complaint of a personal attack if they said what they really thought about the situation. So all that gets posted are a dozen Congrats, instead of corrections/discussions that might help future readers that might otherwise be tempted to repeat the mistake.
