Bad news: The new FICO score changes could impact the credit cards you qualify for

[OriZ 3,157]

23 minutes ago, ALFKAD said:

If you're referring to crypto here, after getting started with your help, my current portfolio is -88.15% after two years.  Worst "investment" ever.  My stocks and mutuals, however, are doing pretty darn well.

Yes I am referring to crypto. You however never took my advice regarding timing or specific projects except for one which you waited 2 years to find out what happened to your airdrop. but alas, you're derailing this thread to something totally irrelevant...had you actually taken my advice, you'd be up %2,400 like I am

[Nature Boy 2.0 8,335]

1 hour ago, OriZ said:

I'm just saying the amount of weight they put on it  is just not justified. It's a very backward looking system instead of being forwards looking.

If you have a really bad record of paying your bills the last 7 years, almost zero percent chance you are going to magically start paying them on time if  I give you a 600 buck a month.

 

Sorry buddy but the statement they should look foward instead of backward doesnt even make sense. How can 

you predict future behavior without looking at past behavior?

 

Yes sir mr customer although you have 2 repos , our crystalball says from now on you will pay. Illogical, 

[OriZ 3,157]

4 minutes ago, Nature Boy 2.0 said:

If you have a really bad record of paying your bills the last 7 years, almost zero percent chance you are going to magically start paying them on time if  I give you a 600 buck a month.

 

Sorry buddy but the statement they should look foward instead of backward doesnt even make sense. How can 

you predict future behavior without looking at past behavior?

 

Yes sir mr customer although you have 2 repos , our crystalball says from now on you will pay. Illogical, 

Except that payment history is only 35% of a credit score 

[Nature Boy 2.0 8,335]

2 minutes ago, OriZ said:

Except that payment history is only 35% of a credit score 

Even more reason. You are just wrong. I deal with credit issues every day.. Bogu behavior is absolutely very predictable 

[OriZ 3,157]

2 minutes ago, Nature Boy 2.0 said:

Even more reason. You are just wrong. I deal with credit issues every day.. Bogu behavior is absolutely very predictable 

No such thing as "just wrong". That's my opinion and my opinion is usually based on alot of research and experience so I'll stick to it. This system belongs in the age of the dinosaurs. In fact, the whole american banking system(not just where it pertains to credit scores or borrowing) is very outdated compared to alot of the developed world.

[Voice of Reason 10,298]

4 minutes ago, OriZ said:

No such thing as "just wrong". That's my opinion and my opinion is usually based on alot of research and experience so I'll stick to it. This system belongs in the age of the dinosaurs. In fact, the whole american banking system(not just where it pertains to credit scores or borrowing) is very outdated compared to alot of the developed world.

Care to back that up with some links showing how far in the dark ages we are?  

[Nature Boy 2.0 8,335]

4 minutes ago, OriZ said:

No such thing as "just wrong". That's my opinion and my opinion is usually based on alot of research and experience so I'll stick to it. This system belongs in the age of the dinosaurs. In fact, the whole american banking system(not just where it pertains to credit scores or borrowing) is very outdated compared to alot of the developed world.

Well you are right, its your opnion and my opnion based on looking at credit and dealing with credit challenged people every day for 5 years is , you are very very wrong and really  dont have much grasp on the issue.

 

Btw the past few years have been very very good despite us having the biggest economic meltdown in modern history. Oh wait that didnt happen 

[OriZ 3,157]

5 minutes ago, Nature Boy 2.0 said:

Well you are right, its your opnion and my opnion based on looking at credit and dealing with credit challenged people every day for 5 years is , you are very very wrong and really  dont have much grasp on the issue.

 

Btw the past few years have been very very good despite us having the biggest economic meltdown in modern history. Oh wait that didnt happen 

and I've been dealing with the financial world and different aspects of it for 15 years so...toss a coin.

 

9 minutes ago, ALFKAD said:

Care to back that up with some links showing how far in the dark ages we are?  

Nah, don't really feel I should bother. DYOR. I don't owe you a link. This conversation isn't really worth it because some people here decided that once the MDL trolls left they needed to fill in for them 🤷‍♂️

Edited January 26, 2020 by OriZ

[Voice of Reason 10,298]

28 minutes ago, OriZ said:

Nah, don't really feel I should bother. DYOR. I don't owe you a link. This conversation isn't really worth it because some people here decided that once the MDL trolls left they needed to fill in for them 🤷‍♂️

Nice deflection.  If you cannot back up what you claim to be true, then perhaps you should not make such claims.  I really expected better from you.  

 

I can send money anywhere in the world in about 10 seconds.  Don't see how that lags behind any other country.  The only delays I ever see is on the foreign bank side.

Edited January 26, 2020 by ALFKAD

[OriZ 3,157]

2 minutes ago, ALFKAD said:

Nice deflection.  If you cannot back up what you claim to be true, then perhaps you should not make such claims.  I really expected better from you.  

And I expected not to be trolled, so I guess we're even

[Voice of Reason 10,298]

Just now, OriZ said:

And I expected not to be trolled, so I guess we're even

Nobody is trolling you, just calling BS on the things you say that are incorrect.  Just like anyone here in CEHST.

[OriZ 3,157]

2 minutes ago, ALFKAD said:

Nobody is trolling you, just calling BS on the things you say that are incorrect.  Just like anyone here in CEHST.

Except...that it was trolling because for one I didn't say anything 'incorrect' and for two, it had nothing to do  with this topic. So that's why I don't participate much here anymore because all I see is people trolling one another and I ain't got no time for that...have much bigger and better things than that going on in my life right now that I need to devote my attention to. 🙂

[Voice of Reason 10,298]

1 hour ago, OriZ said:

Except...that it was trolling because for one I didn't say anything 'incorrect' and for two, it had nothing to do  with this topic. So that's why I don't participate much here anymore because all I see is people trolling one another and I ain't got no time for that...have much bigger and better things than that going on in my life right now that I need to devote my attention to. 🙂

And yet, you are still here, saying incorrect things then telling us to do our own research to attempt to prove you are right.  Sorry man, but that dawg don't hunt.

[OriZ 3,157]

Yup. Research is paramount.

[Nature Boy 2.0 8,335]

7 hours ago, ALFKAD said:

And yet, you are still here, saying incorrect things then telling us to do our own research to attempt to prove you are right.  Sorry man, but that dawg don't hunt.

Yes Capitol One! I understand they have 2 repos, 3 charged off credit cards, a BK 5 years ago resulting in a 490 credit score, but he said he will read Dave Ramsey and do better in the future so can you go ahead and say yes to that 45k  tacoma a 5%  lmao

 

Ps. I dont make a ton of money and live within my means. When i bought my Tundra the other day I was an 839 beacon. Not because I am rich but becuse I am responsible and will be in the future