I did not qualify for T-Mobile's best credit

A place to discuss anything... except credit cards!
popamode72
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Postby popamode72 » Sun Oct 12, 2014 12:07 pm

I honestly didn't think that Member would get mad at this of all things. It just seems really inconsequential to me in the long run what some phone company has to say about my credit.
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notcool
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Postby notcool » Sun Oct 12, 2014 12:43 pm

popamode72 wrote:I honestly didn't think that Member would get mad at this of all things. It just seems really inconsequential to me in the long run what some phone company has to say about my credit.



I think he would get mad at this, and this is fairly typical for him. I suspect Member's credit is fine [TMobile and State Farm aside, though he must have a lot of inquiries on his account!]. His credit is probably good, though his blood pressure might be a bit high.

Remember the last time he quit these forums was over an issue with FNBO bank. He called while driving to request a CLI. The rep asked for his account number, which he couldn't give as he was driving his car. Instead of ending the call and calling later, or pulling into a parking lot and getting the card from his wallet, he wound up saying rude things to the rep, the conversation went south, and eventually he closed the card. When people on this forum weren't completely sympathetic toward his behavior he quit the forum for months.

It seems to me that Member knows a lot about credit (cards, mortgage, et cetera) but he has a tendency to get angry at things many of us would call minor annoyances. The FNBO account closure is just one of many examples. The T-Mobile post could be a joke or sarcastic, but its pretty consistent with Member's behavior. I do enjoy reading some of Member's posts.

Omarperez48
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Postby Omarperez48 » Sun Oct 12, 2014 12:45 pm

djrez4 wrote:You guys haven't been around long enough to have lived through a "Member cycle". Every 6 months or so, he gets fed up, swears off credit and this forum, and disappears. Everyone speculates as to if and when he will return. And then he just shows up one day like nothing happened and no one ever talks about it.

Great circle of life and all.


Lmao!! that's hilarious so this is normal right? he probably had a bad day and that really destroyed him. I am in the car business and I see credit all day everyday. I can tell you that it works in a way most of you have no idea. You can have a 720+ FICO on EXPERIAN and be turned down by a credit union because of Lack of credit and length of credit history is limited. This happens quite a bit. This being said there's gotta be one account showing something different on any of the 3 bureaus and also keep in mind even within every bureau there's 2 other bureaus showing up. For example what we use in the car business is
Experian Auto Model 08
Experian Auto Model 2

Transunion Model 04

We do not use Equifax so I wouldn't know how many there are on Equifax but just because you look at your Credit Card-given FICO does not mean that is your true FICO actually we look at the Auto Model FICo to see what your credit score is. We've had several customer come in thinking they're 700+ FICO from one of their credit card or Credit Karma and they end up being low 600's.
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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Oct 12, 2014 12:46 pm

Any guesses on how many Discover ITs he'll go through in 2015?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
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Letting new accounts cool off since May
Really not sure what I'll add next or when

popamode72
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Postby popamode72 » Sun Oct 12, 2014 1:02 pm

notcool wrote:I think he would get mad at this, and this is fairly typical for him. I suspect Member's credit is fine [TMobile and State Farm aside, though he must have a lot of inquiries on his account!]. His credit is probably good, though his blood pressure might be a bit high.

Remember the last time he quit these forums was over an issue with FNBO bank. He called while driving to request a CLI. The rep asked for his account number, which he couldn't give as he was driving his car. Instead of ending the call and calling later, or pulling into a parking lot and getting the card from his wallet, he wound up saying rude things to the rep, the conversation went south, and eventually he closed the card. When people on this forum weren't completely sympathetic toward his behavior he quit the forum for months.

It seems to me that Member knows a lot about credit (cards, mortgage, et cetera) but he has a tendency to get angry at things many of us would call minor annoyances. The FNBO account closure is just one of many examples. The T-Mobile post could be a joke or sarcastic, but its pretty consistent with Member's behavior. I do enjoy reading some of Member's posts.


I mean he was able to get the CSP with no problem so I get the impression that his credit is really solid.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

popamode72
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Postby popamode72 » Sun Oct 12, 2014 1:36 pm

notcool wrote:I think he would get mad at this, and this is fairly typical for him. I suspect Member's credit is fine [TMobile and State Farm aside, though he must have a lot of inquiries on his account!]. His credit is probably good, though his blood pressure might be a bit high.

Remember the last time he quit these forums was over an issue with FNBO bank. He called while driving to request a CLI. The rep asked for his account number, which he couldn't give as he was driving his car. Instead of ending the call and calling later, or pulling into a parking lot and getting the card from his wallet, he wound up saying rude things to the rep, the conversation went south, and eventually he closed the card. When people on this forum weren't completely sympathetic toward his behavior he quit the forum for months.

It seems to me that Member knows a lot about credit (cards, mortgage, et cetera) but he has a tendency to get angry at things many of us would call minor annoyances. The FNBO account closure is just one of many examples. The T-Mobile post could be a joke or sarcastic, but its pretty consistent with Member's behavior. I do enjoy reading some of Member's posts.


I don't think I was around at that time but I'll check it out. Very helpful background information there.

Think I found the thread here. It really reminds me of how he closed his Associated card a couple of months ago. http://creditcardforum.com/general-credit-card-talk/8138-fnbo-customer-service-epic-fail.html

I also really like a lot of what Member has to say though I also think he just needs some time to calm down from this.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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Vattené
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Postby Vattené » Sun Oct 12, 2014 9:40 pm

Please don't let this get you too down, Member! Who cares what a phone or insurance company says? You JUST qualified for a CSP so you know your credit can't really be that bad. You also just got a mortgage, so please also keep in mind how little all this really matters.

I will miss you, too. I hope this is a cycle and you'll be coming back again. I really enjoyed your contributions and hope to see you back soon!
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otter
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Postby otter » Sun Oct 12, 2014 10:09 pm

popamode72 wrote:I don't think I was around at that time but I'll check it out. Very helpful background information there.

Think I found the thread here. It really reminds me of how he closed his Associated card a couple of months ago. http://creditcardforum.com/general-credit-card-talk/8138-fnbo-customer-service-epic-fail.html

I also really like a lot of what Member has to say though I also think he just needs some time to calm down from this.


I was one of the people who "piled on" in that FNBO thread and it's something I've always regretted because I was still a newbie and didn't yet understand the dynamics here on ccf and also because as time went on I realized Member is a nice guy and is always willing to help out newbies and gives good thoughtful advice. I just did the math and 6.7% percent of the posts ever posted on this forum have been by Member(which doesn't seem like a lot until you consider this forum has over 11,000 registered users. It's more than just the quantity of posts... Member has always been here keeping the conversation going. If he comes back... I'm sure we will all welcome him back. If not... he will be missed.

From time to time, I think we all get burned out from posting on this and other forums and sometimes it's a good idea to take some time off. I myself enjoy this forum because even though there aren't nearly as many posters here as there are on fico and elsewhere... there's a lot less "noise" here. Sometimes I browse deep into this forum's history and it's interesting how many people have come and gone. I see some people who used to be prolific posters (one name which catches my attention is "Mogul of Pineapples"). Why did they stop posting? Did someone tick them off? Did they go to jail? Or maybe worse... But there's always somebody who comes along who takes their place. Sometimes I'll see a new user posting and I'll wonder if they will stick around. I remember when popamode and carefulbuilder both started posting (May 2014 I think) because shortly afterwards I stopped posting for a while due to life events (death in the family, vacation, promotion and job relocation all within 3 weeks). When I came back I was pleasantly surprised they became regulars.
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  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
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  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
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beef.stu
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Postby beef.stu » Fri Oct 31, 2014 2:49 am

djrez4 wrote:You guys haven't been around long enough to have lived through a "Member cycle". Every 6 months or so, he gets fed up, swears off credit and this forum, and disappears. Everyone speculates as to if and when he will return. And then he just shows up one day like nothing happened and no one ever talks about it.

Great circle of life and all.


He just loves the attention and everyone saying "please dont go". This happens way too regularly for me to feel bad for they guy and its usually over an issue where he feels like hes not getting the special treatment that he thinks deserves.

I will say, however, that Member does post a lot which helps keep this forum somewhat active.
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takeshi
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Postby takeshi » Fri Oct 31, 2014 9:35 am

djrez4 wrote:You guys haven't been around long enough to have lived through a "Member cycle". Every 6 months or so, he gets fed up, swears off credit and this forum, and disappears.

They seem kinda like mood swings. I hope one day he doesn't let things get to him like this and can level out a bit for his own sake.



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