Credit Score - Pragmatic Advice

WorkingTowardsDebtFree · 24 February 2016 at 9:44PM

<Removed my pointlessly long post>

I was, trying to be useful with reasoning, but as the next post in the thread quotes Martin saying it much better I've removed it.

andyfromotley · 24 February 2016 at 9:54PM

Wow. It took you 21 paragraphs to say this....

'Does that mean it’s completely worthless and I should ignore it? No, I wouldn’t go that far. It's a loose indication of your rough creditworthiness, and certainly it's worth looking at the things they say are blemishes to see what you can do to improve your credit.'

Which is straight from Martins article on What your credit score means and is a sticky at the top of this forum.

WorkingTowardsDebtFree · 24 February 2016 at 10:03PM

Yes, it is.

Yet so many people jump on a negative bandwagon as soon as anyone posts the words "credit score". Whilst people may have the best of intentions, from so many posts I read it seems to only serve to make the poster using the words to feel small, thus losing any practical advice.

I agree, I may have gone the other way and Martin does put it so much more eloquently than I have, with much fewer words. Thanks for posting his quote - it just backs up what I was trying to point out in reflection of so many negative posts (even if they've been well-meaning).

I suppose I was going out to provide context and reasoning given all of the negative but sure-sounding posts...