A comment about Creditboards

[iowafreak]

On another non-credit related website that I belong to, a poster said he was considering bankruptcy. I immediately directed him to CB. In fact another poster did as well. Today I get on and some joker posted this:

 

 

“Be very careful of credit boards and the "advice" you receive.

 

There is a hard core element there whose goal is to simply charge up cards and not pay and figure out ways to limit the damage of not paying. Then build up credit quickly and repeat the cycle.

 

Lots of scammers and deadbeats and entitlement minded folks with an agenda.”

 

 

Now I know all websites have their bad apples, but this is something that I have not seen, and as a CB member find offensive.

 

 

I replied:

 

 

“To each their own, but I disagree.

 

In fact I think the OP will find it very useful. I don’t have a credit card, I don’t have any credit card debt, I’m not a scammer, and I find the website very useful.

 

As a general rule I would suggest being careful on any website.

 

It’s been my experience that at CB they offer real life advice to help fellow members with debt issues. Like how to improve your credit score, how to remove inaccurate information on a report, how to deal with a collection agency, how to get validation for debts, how to deal with fraud, etc….lots of useful information.

 

I’ll let the OP decide if it’s right for him, as I would guess we could all find a website that we could make some sort of derogatory accusations about some of the members.”

 

 

I’m not a real active member, but I’m an active lurker and I can’t say I’ve seen any of this type of behavior….if a troll comes along, they are usually hammered on pretty hard. I know it's just one posters opinion but, Does this happen a lot with CB?

 

Sorry I won’t share a link with anyone, unless an Admin or mod needs it. Just ticked me off so I wanted to rant!

 

 

[road2freedom]

I bet it was one of those MF'ers!

[sillyviolet]

I have been a member of this board for a few years and I have not seen any of those problems. I think the people here are full of good advice. You always have some bad apples in the bunch, but I don't think that would be the majority on this site. The moderators do a good job of keeping the bad guys out of the board. But that is just my opinion.

[Pam]

It is something that we deal with a lot. People don't understand our purpose here and make some unfounded assumptions based on.... what, I don't know. We don't really let it get to us anymore, cause if we did, we would be going crazy.

 

Having said that, please PM me the URL

[iowafreak]

PM sent with URL.

[breeze]

Sounds like fat wallet.

[NeverQuietHere]

CB helped me learn my rights, taught me that those people calling and threatening me on debts that were 6,7,8 years old were shiesters. CB also taught me to stand up for myself and my rights and not listen to those jackholes that said they were sending cops to my door etc etc. CB empowers people, if they use this the right way.

 

Obviously those fools can't read and do not have any reading comprehension abilities since they think this board is about running up all the credit you can and then not paying on it.

Edited May 25, 2012 by NeverQuietHere

[Repairerer]

There are always a few folks who have built themselves back up here, then encountered another fall for whatever reason. I really hate to hear that, but we'll always be here for them. I haven't seen anyone who did it on purpose, it was just circumstances, like it was the first time.

 

Many of us who are building or rebuilding, do like to stockpile a bunch of available credit, I won't lie about that. In at least 99% of cases that I have seen, it's not so we can run it up and default on it again. It's just to improve our utilization so we can get approved for the house, car or rewards card we want. Since I have been here, I've gotten approved for way more available credit than I ever had before, but I'm paying it in full every month.

 

The whole credit = debt thing smacks of DR, credit is evil because credit is debt!

[Nemeweh]

The poster you speak of is either 1) a liar 2) can't read or 3) an salamander. Possibly all three.

 

 

I have been a member here for YEARS and can count on one finger the number of times I have even read anything closely related to someone suggesting running up their credit after repairing it and not paying what they then owe. And when that was even suggested the one time I did read something similar, the other members here read them the riot act for their short-sightedness and ignorance.

 

 

Lots of scammers and deadbeats and entitlement minded folks with an agenda.”

 

Yeah. I am ALL about feeling entitled. I do nothing but run up credit. (just ignore everyone on creditboards that preach the gospel of Ramsey, or those that claim "Cash is King" - that's all just part of Creditboard's Scam)

 

I hope said poster chokes on their own tongue, you know, as part of my "agenda".

[iowafreak]

He just doesn’t know when to quit, out of respect to the original poster on that website, I have chose not to hi-jack the OP’s post by arguing with him, so I have quit.

 

But his dislike and comments give me the feeling that he is probably in the collection business….again that is just my gut.

 

I have never seen anything like he stated, nor do I think I will...

 

 

 

 

[jack1212]

I have never seen it either. I have heard of people doing it, so yeah it does actually happen.

 

But I've never once seen it given as advice. And I hang out in the CF more than the GF, even if I just lurk and don't post for a few months.

[Tigz]

He just doesn't know when to quit, out of respect to the original poster on that website, I have chose not to hi-jack the OP's post by arguing with him, so I have quit.

 

But his dislike and comments give me the feeling that he is probably in the collection business….again that is just my gut.

 

I have never seen anything like he stated, nor do I think I will...

 

 

 

 

I would have asked him to show exact threads where CB advises to run up credit cards and not pay.

[cashnocredit]

I will survive!

 

[breeze]

[hegemony]

that salamander sounds like a collector who likes to badmouth the dead.

[Credit Please]

I was thinking that joker is someone that has Been kicked to the curb and banned from out site.

[hegemony]

I was thinking that joker is someone that has Been kicked to the curb and banned from out site.

it is probably the same person who was selling CB on ebay

[Bad Doctor Frost]

I was thinking that joker is someone that has Been kicked to the curb and banned from out site.

it is probably the same person who was selling CB on ebay

 

 

I forgot about that! :rofl:

 

Some people's kids, I swear...

[belleama]

Someone tried to sell CB on ebay? Where was I when this happened?

[Pam]

Someone tried to sell CB on ebay? Where was I when this happened?

 

You were around. It was years ago.