Credit is a marathon, not a race. Lenders look at everyone differently. Bank likes people who carry a balance. But they also like people who don't and PIF. They like usage. They don't like you opening new accounts. But they don't really care about that either. Lending decisions are random, but your mileage may vary.
I sometimes wonder if people like that are doing it absent mindedly, or if it's a deliberate attempt to stay at the center of attention.
It's especially odd when they feel compelled to answer a question while acting like they didn't want to answer it. They sometimes get huffy about the forum search or Google, but they always had the option to just ignore it. I can understand some minor annoyance when somebody posts it as the subject of a new thread, but when it comes up halfway down the page, without any sense of seriousness or demand behind it, then I just consider it an ignorable comment and part of the natural flow of a casual conversation.
daniel2304 wrote:3/ How many other people agreed with their response? The more the better.
I don't put much weight on that personally. That will tell you what the dogma of a particular forum has encouraged everyone to agree with, but that isn't necessarily the best answer. Just the one that's easiest to defend within that crowd of people. Take the popularity of "gardening" advice on myFICO for example.
This is probably a severe example, but popular responses can go really bad on automotive discussion forums. When it comes to car repair, most people are hacks and just guess. The occasional person will suggest a process of diagnosis, but half the time even the OP doesn't want to bother, they just start buying parts based on the most popular guesses. If they get lucky, the guessers pat themselves on the back for their ingenuity.
The worst fallacy I see people fall into (you didn't list this, but some people do it) is appeal to authority. Somebody who can discuss a subject in detail has more credibility than somebody who points at plaques and job titles. If somebody really knows the subject, they don't need credentials to make their argument.
Of course, many times people with credentials really are knowledgeable about certain things. But then there's a tendency to overbroaden their relevance. The most frustrating example I remember was an encounter I had with somebody who thought a carbureted NASCAR engine builder was an authority on modern passenger car ECM/sensor controls. Hey, he worked with race cars, so he knows everything right?