Reply #87: Some logic? All "spaghetti"? Oh puh-leease. [View All]

[BlueCaliDem]

It's egg in your face, and you know it.

You assailed me for not being able to distinguish between a CRA and a bank. I proved you wrong backed by the original post you supposedly read and decided to respond to.

You claimed that Wiping the slate clean at the bureaus would penalize people with clean credit histories, and would reward people who have behaved irresponsibly with credit. was the only point. I challenged you showing it was YOUR point, not mine or the poster I'd originally responded to.

I can understand why you won't apologize for "something you've missed", because you missed the point entirely, and your whole uncharitable argument collapsed. I don't want or need your apology. I just wanted to prove you wrong. I did, and that's enough for me.

Um, fair scores, by the way, are only reported TWENTY PERCENT OF THE TIME. Eighty percent of all consumer reports have inaccuracies that adversely affect a consumer's creditworthiness and score. Ninety percent have overall inaccuracies that don't necessarily affect a person's credit rating. Google it. It's not hard to find.

Based on this premise, it's credit bureau reporting that's subjective here. Wake up and smell the coffee already. They decide how much or how little they report on you. You have NO say-so in the matter.

An FYI? Good or bad, items on credit reports are removed 7 years after the last payment made unless it's bankruptcy. You act as if you can hold on to your good credit forever. It's that belief that's bullshit.