Skip Navigation
  • How It Works
  • Pricing
  • Education
  • Community
  • Support
  • Member Dashboard
  • Log In Log Out
  • Start Plan
 
  • How It Works
  • Pricing
  •  
  • Education
    • Credit Education
    • Credit Scores
    • What is a FICO Score?
    • FICO Scores versions
    • How scores are calculated
    • Payment history
    • Amount of debt
    • Length of credit history
    • Credit mix
    • New credit
    • Improve my score
    • Credit Reports
    • What's in your report
    • Bureaus
    • Inquiries
    • Errors on your report?
    • Calculators
    • Know Your Rights
    • Identity Theft
    • FAQ
    • Glossary
  • Community
  • Support
  • Member Dashboard
  • Log In Log Out
myFICO® Forums
Sign In Help
  • myFICO® Forums
  • Types of Credit
  • Credit Cards
  • Re: Friendly, Supportive, and Respectful -- 2/6/14
Options
  • Subscribe to RSS Feed
  • Mark Topic as New
  • Mark Topic as Read
  • Float this Topic for Current User
  • Bookmark
  • Subscribe
  • Mute
  • Printer Friendly Page
Enter a search word
    Turn off suggestions
    Enter a search word
      Turn off suggestions
      Enter a user name or rank
        Turn off suggestions
        Enter a search word
          Turn off suggestions
          Enter a search word
            Turn off suggestions
            cancel
            Turn on suggestions
            Showing results for 
            Search instead for 
            Did you mean: 

            Forum Etiquette

            tag

            Get your FICO® Score for free

            No credit card required

            Get Access Now
            tag

            Is your credit card giving you the perks you want?

            Browse credit cards from a variety of issuers to see if there's a better card for you.

            Browse Offers
            Revelate
            Revelate
            Moderator Emeritus
            • Mark as New
            • Bookmark
            • Subscribe
            • Mute
            • Subscribe to RSS Feed
            • Permalink
            • Print
            • Report Inappropriate Content
            ‎03-12-2014 10:38 PM
            ‎03-12-2014 10:38 PM

            Forum Etiquette

            The following is a list of threads which pertain to the etiquette that we expect in the myFICO community.  These are clarifications, recommendations, and mandates from the following myFICO references:

             

            • User Guidelines
            • Terms of Service

            Etiquette threads:

             

            • Posting about Foreign Call Center Frustrations
            • Proper use of PMs
            • What to do when you think a poster is full of it
            • Report Inappropriate Content
            • Friendly, Supportive, and Respectful
            • NASA FCU shennanigans
             



                    
            Message 14 of 43
            4 Kudos
            • All forum topics
            • Previous Topic
            • Next Topic
            • « Previous
              • 1
              • 2
              • 3
              • 4
              • 5
            • Next »
            42 REPLIES 42
            Revelate
            Revelate
            Moderator Emeritus
            • Mark as New
            • Bookmark
            • Subscribe
            • Mute
            • Subscribe to RSS Feed
            • Permalink
            • Print
            • Report Inappropriate Content
            ‎02-06-2014 10:30 PM
            ‎02-06-2014 10:30 PM

            Friendly, Supportive, and Respectful

            Hello folks,

             

            This is an open letter to the entire community.

             

            Recently we've been seeing a decline in general courtesy on this forum; we've strived to make this forum a Friendly, Supportive, and Respectful online resource for credit education and similar topics, and as of late we have been straying from that ideal.  We do not want to see this continue to slide into the typical online community where mostly anything goes, and as such, we are going to be taking more active stance when it comes to handling occurrences of inappropriate material.

             

            From our User Guidelines:

             

            Inappropriate material

            In the spirit of a healthy and helpful community, profanity, spam, personal attacks, flaming, and other inappropriate postings are not tolerated.  Such material may be edited or removed, and egregious or repeat offenders will be banned from future participation in myFICO Forums.

             

            This is a violation in accordance with our Terms of Service, specifically:

             

            • Attacks, including “Flaming” another user or entity in such a way as to incite or perpetuate an argument or conflict; creating usernames to attack other users’ identities; impersonating other individuals or falsely representing one’s identity or qualifications; posts made under secondary user names or other aliases for the purpose of either endorsing or denigrating others; posts that breach any participant’s privacy by including name, address, phone, email address, or any other identifying information.

             

            We don't want to shutdown the discourse of ideas entirely, and some information even when posted perfectly in accordance with our policies will be viewed as negative to certain members: we will continue to apply our admittedly subjective standard of reasonableness in such situations, but we have had recent incidents which have crossed the line, and these we want to eliminate.

             

            For more information, please refer to our User Guidelines and our Terms of Service.

             

            Thank you, and we greatly appreciate everyone's efforts in keeping this forum as a Friendly, Supportive, and Respectful environment!

             

            --Revelate, myFICO moderator




                    
            Message 1 of 43
            17 Kudos
            yudeology101
            yudeology101
            Senior Contributor
            • Mark as New
            • Bookmark
            • Subscribe
            • Mute
            • Subscribe to RSS Feed
            • Permalink
            • Print
            • Report Inappropriate Content
            ‎02-07-2014 09:17 AM
            ‎02-07-2014 09:17 AM

            Re: Friendly, Supportive, and Respectful -- 2/6/14

            Thanks Revelate!  I guess my troublemaking has gotten too far and reached MyFICO Executive Office.   Oh boy I gotta stay out of trouble....

            JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
            BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
            Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*
            Overall UTIL: 14% *Gardening Since: 1/20/16*
            ------------------------------------------------------------
            Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
            Message 2 of 43
            2 Kudos
            CreditMagic7
            CreditMagic7
            Mega Contributor
            • Mark as New
            • Bookmark
            • Subscribe
            • Mute
            • Subscribe to RSS Feed
            • Permalink
            • Print
            • Report Inappropriate Content
            ‎02-07-2014 01:18 PM
            ‎02-07-2014 01:18 PM

            Re: Friendly, Supportive, and Respectful -- 2/6/14

            Very thoughtful reminder Revelate. I personally haven't experienced any of the sort but having been a Moderator myself in a pc security forum, it's always reassuring to see mods bring attention where they find it to the better interest of all to keep a forum running smoothly and hopefully with low maintenance Smiley Happy

            We appreciate all your efforts. Keep up the great work. This is a very unique forum with super helpful membership & mods alike.

            Thanks.
            Message 3 of 43
            2 Kudos
            notfancy
            notfancy
            Valued Contributor
            • Mark as New
            • Bookmark
            • Subscribe
            • Mute
            • Subscribe to RSS Feed
            • Permalink
            • Print
            • Report Inappropriate Content
            ‎02-07-2014 01:49 PM
            ‎02-07-2014 01:49 PM

            Re: Friendly, Supportive, and Respectful -- 2/6/14

            Thanks for this. I have noticed some of the posts referenced here, and they are disheartening to see and while some of the expressions made are some what understandable, that isn't the intent of this forum. It's also sort of the way things are said that tarnishes the intended message. I hope that going forward, people will be more thoughtful and understanding before they post.

            625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
            Goal Score: 700   Seedling again as of 07/29/14
            Message 4 of 43
            1 Kudo
            Anonymous
            Not applicable
            • Mark as New
            • Bookmark
            • Subscribe
            • Mute
            • Subscribe to RSS Feed
            • Permalink
            • Print
            • Report Inappropriate Content
            ‎02-07-2014 03:12 PM
            ‎02-07-2014 03:12 PM

            Re: Friendly, Supportive, and Respectful -- 2/6/14

            Thanks for this. Some people in this forum are so rude.

            Message 5 of 43
            2 Kudos
            Longroad
            Longroad
            Established Contributor
            • Mark as New
            • Bookmark
            • Subscribe
            • Mute
            • Subscribe to RSS Feed
            • Permalink
            • Print
            • Report Inappropriate Content
            ‎02-07-2014 03:21 PM
            ‎02-07-2014 03:21 PM

            Re: Friendly, Supportive, and Respectful -- 2/6/14

            I want to apologize if some of this was my fault. I have been extremely disrespectful of the CRAs and have let the frustration spill out. I apologize for this and will strive to keep posts and comments positive. Please accept my sincerest apologies. 

            Message 6 of 43
            2 Kudos
            notfancy
            notfancy
            Valued Contributor
            • Mark as New
            • Bookmark
            • Subscribe
            • Mute
            • Subscribe to RSS Feed
            • Permalink
            • Print
            • Report Inappropriate Content
            ‎02-07-2014 03:29 PM
            ‎02-07-2014 03:29 PM

            Re: Friendly, Supportive, and Respectful -- 2/6/14


            @Longroad wrote:

            I want to apologize if some of this was my fault. I have been extremely disrespectful of the CRAs and have let the frustration spill out. I apologize for this and will strive to keep posts and comments positive. Please accept my sincerest apologies. 


            I haven't read your posts, but I am guessing that this was not Rev's intent. Venting is perfectly understandable. Just read some posts about Midland Credit Management lol.. I think he meant more comments and posts directed at other forum members that come here asking for help and advice and getting (to paraphrase) comments such as "well if you didn't do X you wouldn't be in this situation!" Sometimes the comments are... accurate in their way, but snide and unhelpful in tone. I think it's hard enough to come asking for help and advice about something as personal and stressful as credit and finances with out also having to get comments posted to your threads that suggest that you are some kind of "loser" or "idiot" (not that I saw those exact kinds of words but it was certainly implied in the tone of the comments.

            625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
            Goal Score: 700   Seedling again as of 07/29/14
            Message 7 of 43
            5 Kudos
            Longroad
            Longroad
            Established Contributor
            • Mark as New
            • Bookmark
            • Subscribe
            • Mute
            • Subscribe to RSS Feed
            • Permalink
            • Print
            • Report Inappropriate Content
            ‎02-07-2014 03:33 PM
            ‎02-07-2014 03:33 PM

            Re: Friendly, Supportive, and Respectful -- 2/6/14


            @notfancy wrote:

            @Longroad wrote:

            I want to apologize if some of this was my fault. I have been extremely disrespectful of the CRAs and have let the frustration spill out. I apologize for this and will strive to keep posts and comments positive. Please accept my sincerest apologies. 


            I haven't read your posts, but I am guessing that this was not Rev's intent. Venting is perfectly understandable. Just read some posts about Midland Credit Management lol.. I think he meant more comments and posts directed at other forum members that come here asking for help and advice and getting (to paraphrase) comments such as "well if you didn't do X you wouldn't be in this situation!" Sometimes the comments are... accurate in their way, but snide and unhelpful in tone. I think it's hard enough to come asking for help and advice about something as personal and stressful as credit and finances with out also having to get comments posted to your threads that suggest that you are some kind of "loser" or "idiot" (not that I saw those exact kinds of words but it was certainly implied in the tone of the comments.


            I have seen those. And I wouldn't be worried about the CRAs so much if I hadn't done what I did in the past. This is really a big support group as I see it. And everyone has been very supportive of me. I wouldn't be anywhere close to where I am without this forum. Everyone should remember that we all need help sometimes. 

            Message 8 of 43
            1 Kudo
            TXinandout
            TXinandout
            Frequent Contributor
            • Mark as New
            • Bookmark
            • Subscribe
            • Mute
            • Subscribe to RSS Feed
            • Permalink
            • Print
            • Report Inappropriate Content
            ‎02-07-2014 08:36 PM
            ‎02-07-2014 08:36 PM

            Re: Friendly, Supportive, and Respectful -- 2/6/14

            The reason I came here is because I got sick of seen that type of disrespectful behavior in a different credit forum (older than this one) I used to visit very often. Im glad to see zero tolerance here, I have always for the most part seen most people support and encourage each other.
            BK Discharged 06/02/2016 SCORES AROUND 475

            Current scores:
            EXP-667
            EQ-654
            TU-653
            Message 9 of 43
            2 Kudos
            • All forum topics
            • Previous Topic
            • Next Topic
            • « Previous
              • 1
              • 2
              • 3
              • 4
              • 5
            • Next »
            † Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.
            Top

            Products

            • Home
            • How it works
            • Pricing

            Learn

            • Education
            • Community
            • Support
            • Blog

            Company

            • About Us
            • Terms of Use
            • Cookie Preferences
            • Privacy Policy
            • Affiliate Program

            Get Our App

            • Download iOS app on the App Store
            • fil_get
              Get Android app on the Google Play Store

            Follow Us

            • Twitter
            • Facebook

            Credit Education

            • Credit scores
            • What is a FICO Score?
            • FICO Score versions
            • How scores are calculated
            • Payment history
            • Amount of debt
            • Length of credit history
            • Credit mix
            • New credit
            • Credit reports
            • What's in your report
            • Bureaus
            • Inquiries
            • Errors on your report?
            • Calculators
            • Know your rights
            • Identity theft
            • FAQ
            • Glossary

            Copyright ©2001-2025 Fair Isaac Corporation. All rights reserved.

            IMPORTANT INFORMATION:

            All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

            FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.

            Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.