hahaha I like hematino's answer.
Truth is, I started posting and one of their "chip on my shoulder" types started putting me down so I fired back. I got warned for that and apparently the chip on his shoulder type was fine (if you are one of the "chosen" ones over there, you can really get nasty and it's no problem, just ask CreditScholar, though he wasn't the one, I'm just pointing him out because he's REALLY arrogant and nasty to some people). So I got warned/disabled for that. After kissing the butts of the mods begging to get re-enabled, I made the mistake of describing a Cap One customer service experience as the joke it was (I mean come on who can take them seriously) I made the mistake of mentioning how the CSR had an Indian accent. I meant it to highlight the experience, but the mod who hated me used that to claim I was being a "racist", and disabled me. I responded to him that I wasn't being a racist, I was just using that to highlight the experience because anyone who has ever called them knows it's all Indian and we have a hard time understanding them, and that HE was the one who read racism into that. That really apparently hacked him off and he got me banned for life with that.
That's the truth of it.
If you are one of their "favorites" you can get really nasty and it's cool, if you aren't, you'd best be just as PC as you are at work every day if you want to post there. Assume you work for the MyFICO mods because they will be on your tail as if you did.