Say Anything Blog

This is very similar to how kids and parents can misrepresent their academic and discipline records to the media if the kid gets in some major disciplinary problem that makes it into the news.

But the schools may not respond by giving actual facts about the student’s grades of history of misbehavior.

So the public gets to think that some hard-core thug is just a normal kid who made one mistake at school.

Several years ago,a nurse was suspended by a hospital for treating a monkey in the emergency room despite rules forbidding it.  She was all over the national news whining about how she was just too big of an animal lover to allow the monkey to die and that the hospital was just a big, ole bunch of meanies.  She got huge play in the media about the case.

After 10 days, she was due a hearing to determine if she was to be fired or not.  Naturally, the press was beginning to spin the story in a way that would have forced them to keep her.  The hospital came out and announced that they were considering having her hearing as an open hearing which was allowed under her contract.  They mentioned that, if it was open, her entire personnel history would be available to the public.

For some reason, that shut her up.  Quietly, she was fired.

"Although I can accept talking scarecrows, lions and great wizards in emerald cities, I find it hard to believe there is no paperwork involved when your house lands on a witch.”
- Dave James

It is questionable as to why the public needs to know a consumers specific purchases. Payment history, OK, purchases why?

CC companies will raise your rate to the max 24-29%?, not because you failed to meet payments to them,
but cause you were two days late on your electric or phone bill.

CC companies will raise your rate to the max 24-29%?, not because you failed to meet payments to them, but cause you were two days late on your electric or phone bill.

WOOF,

More economic nonsense?  Late payments on utility company accounts, such as you mentioned, are not reported to the credit agencies, and don’t show up on an individual’s credit report.

“Poverty of goods is easily cured; poverty of the mind is irreparable.”

It seems logical to me that the accuser, in this case the alleged “victim” would have to present proof of the alleged mistreatment, and that proof would be their payment record, along with proof that the purchases were legitimate.  I don’t see the problem.
How can the accuser prove his case without that information?

If you don’t know by now, don’t mess with it.

“If somebody responds to one of the 5 billion applications that are being sent out by the credit card companies who say ‘sign up with us and you’re going to pay 6 percent a year’ and every month people pay their bills on time… Then suddenly because a year ago, or three months ago, were late on a phone bill — having nothing to do with their contract with this credit card company suddenly they’re interest rate goes from 6 percent to 25 percent,” says Sanders. “I consider that a scam and I consider that something absolutely outrageous.”

Dark Side Of The Moon

It is questionable as to why the public needs to know a consumers specific purchases. Payment history, OK, purchases why?

Because the types of purchases speaks to the consumer’s level of responsibility.  Were they getting a bunch of cash advances?  Buying a bunch of junk?  Or were they acting responsibly.

When the people fear their government, there is tyranny; when the government fears the people, there is liberty.

-- Thomas Jefferson

Rob’s recently listened-to songs:

Then suddenly because a year ago, or three months ago, were late on a phone bill — having nothing to do with their contract with this credit card company suddenly they’re interest rate goes from 6 percent to 25 percent,”

Two things: everything that affects their credit rating has to do with their contract, and they would have to provide all the details of their financial life to prove their case.  You just don’t get it, Woof.

If you don’t know by now, don’t mess with it.

WOOF,

Bernie Sanders doesn’t know anything more about personal credit reports than you do… or, for that matter, the mercifully, long-departed “Diane”.

“Poverty of goods is easily cured; poverty of the mind is irreparable.”

I suspect that the “purchase histories” referred to isn’t about what items were bought, but about the history of purchases relative to the credit limit of the account.  If the consumer keeps large balances, balances which are typically a relatively high percent of the credit limit on the account, that is one factor the credit card issuer can use in determining the interest rate charged.  It is also a factor used in determining one’s “FICA” credit score.  Those with high balances on revolving accounts relative to the credit limits of those accounts are going to have lower credit scores than someone who maintains lower realtive balances or (ideally) pays off their account balances every month.

perhaps if Bernie Sanders had someone read the fine print to him… and then took the trouble to explain it.

“Poverty of goods is easily cured; poverty of the mind is irreparable.”

Here you go again.

Avoiding your credit card’s most costly penalty—universal default

Just fall behind on your mortgage or a car loan. Pay your electric bill late. Bounce a check. Exceed your credit limit. Allow your credit rating to drop below what the credit card company considers an acceptable level or are deemed to be carrying too much debt.

According the Consumer Action survey, the two most common reasons for justifying default rates are letting your credit score drop and being late with payments to anyone to whom you owe money

Just fall behind on your mortgage or a car loan. Pay your electric bill late. Bounce a check. Exceed your credit limit. Allow your credit rating
to drop below what the credit card company considers an acceptable level or are deemed to be carrying too much debt.

Once again, no matter what lies are told, utility bills paid late don’t affect your credit score; if you fail to pay long enough to get your utility shut off, that’s a different matter.
The bottom line here is that everything mentioned above is a matter of personal choice.  If you don’t live within your means, it’s your fault, not the credit card company’s fault.
The difference between people with good credit and people with bad credit is fiscal discipline, not income.
Woof, you lefties just don’t recognize the real value of personal responsibility.  You’re always trying to claim victimhood.  Grow up!

If you don’t know by now, don’t mess with it.

WOOF,

I am slowly becoming disillusioned by the spreading congenital nature of your ignorance.  And at your age, too!

First of all, for credit reporting purposes, a payment is not considered late unless it is posted to the account by the creditor 30 or more days after the payment due date.  If you made all of your payments (including any contractual late fees, such as are regularly called for on car loans, credit card security agreements and mortgages) 3 weeks past the due date, there would be NO late payments posted to your credit report with any of the three major agencies and no late payment reduction in your credit scores.

Second, typically electric utilities do not report normal account activity to the credit agencies as do banks, mortgage companies, credit card and finance companies.  Most often the only utility account activity that is reported are charged off accounts.

Finally, a bounced check will only show up if the party to whom the check is written takes successful legal action, in which case an entry will show up on the credit report under the “Public Records” section, or if the bank on which the check is written closes the account and reports the overdrawn account as an unpaid indebtedness.  Similarly, that “to anyone to whom you owe money” is not at all accurate, since if I owed you, or any other person money, it is highly unlikely that you or they have entry access to Equifax, Experian, or TU to put that information on my credit report in the first place.

Look, if you think you can prove me wrong, by all means give it your best shot.  But I’ve been dealing with lending and credit since before credit scores were developed (Fair-Isaac, remember?), and that has included repairing people’s credit reports to help them get better qualified.  I honestly do know what I’m talking about.  Besides, your last foray into presumptive numerical and statistical superiority didn’t turn out so well.  This one ain’t gonna be any better!

“Poverty of goods is easily cured; poverty of the mind is irreparable.”

Woof, being late on a payment is negligence.

And the purchase history tells us about the person.

For example:

My friend owed 1500 to the CC companies. Slowly he paid it down to about 900. Then he countarily quit his job and was out of work for 3 months, making him unable to make the payments. When he got a new job...before his first day, he spent about a grand on a few purchases. Not to fix his car, or to get a neccessity, but to get a Nintendo Wii, games and accessories. If he went to testify that they raised his rates, why shouldn’t they be allowed to show his irresponsibility and missed payments?

Kenny,

Actually, I believe that the requirement for the signed release prior to congressional testimony is part of the federal Fair Credit Reporting Act.

“Poverty of goods is easily cured; poverty of the mind is irreparable.”

robert108: 

Once again, no matter what lies are told…

If WOOF is misinformed, is that the same thing as lying ? 

A lie is a deliberate and conscious statement of falsehood.  I don’t think WOOF was doing that, do you?

Was President Bush ‘lying’ when he depended on data from the CIA and the NSA and told the American people that there were WMD’s in Iraq?

"Here lies, in honored glory, an American soldier, known but to God.”

The stakes are high. Whether the issue is the economy, or energy, or the federal courts or national security, the right answers are coming not from the Democrats, but from the Republicans. The surge of operations that began a year ago is succeeding. The only way to lose this fight is to quit. Richard M. Cheney, Vice President, 30 May, 2008

Was President Bush ‘lying’ when he depended on data from the CIA and the NSA and told the American people that there were WMD’s in Iraq?

As subsequent documents have revealed, they were there, but that’s not the point, is it?
Woof was quoting someone else, who told some lies about what contributes to bad credit, and that was my reference.

What I want to know is: What’s your agenda here? Why are you attacking me? Why are you attacking the President by disseminating false information and leftie talking points?

Inquiring minds want to know.

Do you have anything to say about the content of this thread, or are you just using your misunderstanding to express personal animus?

If you don’t know by now, don’t mess with it.

pparets,

WOOF has been “misinformed” all day, both on the capital gains taxes thread and here about credit reports.  But that does not mean he is lying.

That’s why Hillary’s explanation about her “mis-statements” about her Bosnia trip are so pitiful and so amusing.

“Poverty of goods is easily cured; poverty of the mind is irreparable.”

Bat: First of all, Woof posted some false information to serve his agenda, so the most generous thing we can say is that he was ignorant of the truth, and chose something for its value to support his agenda, rather than vetting it to see if it was true. That’s borderline, but after you corrected him about utility bills, he repeated his cut and paste, which was then repeating a known lie.
What is it when you repeat a known lie, with the intention of deception?

What’s your opinion on that, pp?  Did you look at all the facts?

If you don’t know by now, don’t mess with it.

robert108:  My point was - I thought - pretty simple.

You throw the words ‘lying’ and liar’ around frequently, when a less hostile term would do.

Bush has been accused of ‘lying’ about WMD, when in fact he was not lying.

WOOF is frequently misinformed, but I don’t think he intentionally lies, do you?

“Agenda, attacking, personal animus, disseminating false information...” See what I mean?  Your frequently important and valid points would be far better delivered with less hostility.

“Inquiring minds want to know” ???

"Here lies, in honored glory, an American soldier, known but to God.”

The stakes are high. Whether the issue is the economy, or energy, or the federal courts or national security, the right answers are coming not from the Democrats, but from the Republicans. The surge of operations that began a year ago is succeeding. The only way to lose this fight is to quit. Richard M. Cheney, Vice President, 30 May, 2008

R108,

I’m inclined to give WOOF the benefit of the doubt in both cases.  The knowledge, if not esoteric, is at least uncommon.  There are plenty of topics discussed here that I honestly don’t have a clue about.

On the other hand, when you’re beaten, and obviously so, there not much point is continuing to insist you were correct when the facts say otherwise.

Besides, if the CIA was proven so wrong about Iraq’s in-country WMD program, it shouldn’t be difficult to accept the fact that CBO and JCT staff are seminally wrong about cuts in marginal tax rates.

“Poverty of goods is easily cured; poverty of the mind is irreparable.”

BatOne:

Woof has been “misinformed” all day… but that does not mean he’s lying.

Haha!  GOOD POINT and well said! 

I just don’t think that being misinformed or even ignorant is the same thing as lying.

I admire your version for it’s avoidance of ugliness.

"Here lies, in honored glory, an American soldier, known but to God.”

The stakes are high. Whether the issue is the economy, or energy, or the federal courts or national security, the right answers are coming not from the Democrats, but from the Republicans. The surge of operations that began a year ago is succeeding. The only way to lose this fight is to quit. Richard M. Cheney, Vice President, 30 May, 2008

pparets,

There is more than enough “ugliness” spewing from the Left.  I see no point in living down to that level vacuous adolescence, or perpetuating the practice by joining in and thus rationalizing it.

Besides, WOOF and I shared a Sensei once upon a time.  I’d like to think that I had passed along on his quiet sense of honor.

“Poverty of goods is easily cured; poverty of the mind is irreparable.”

These guys seem authoritative.
Which is why I C&P their words.
Are They Liars?

I’m Not Fighting. I Am Presenting. Believe What You Will

You throw the words ‘lying’ and liar’ around frequently, when a less hostile term would do.

Unasked-for advice is a sign of hostility.  You are “misinformed”; I don’t “throw those words around”, I use them when I see a need.  Who appointed you my censor?

Woof: Funny; your “presenting” is always one-sided.  I guess you don’t feel any responsibility to present anything other than your own prejudiced view.
As far as your source seeming to be authoritative, maybe that’s because they say what you already believe.  I think if you actually do some fact-checking on credit scores, you will find that what they said is wrong.
What sort of person repeats things without checking on their accuracy?

If you don’t know by now, don’t mess with it.

robert108: 

Unasked-for advice is a sign of hostility.

Hahahaha!  Please tell me that you don’t really believe that!!  Hahahahaha!

"Here lies, in honored glory, an American soldier, known but to God.”

The stakes are high. Whether the issue is the economy, or energy, or the federal courts or national security, the right answers are coming not from the Democrats, but from the Republicans. The surge of operations that began a year ago is succeeding. The only way to lose this fight is to quit. Richard M. Cheney, Vice President, 30 May, 2008

Most hilarious thing r has ever typed:

Funny; your “presenting” is always one-sided.  I guess you don’t feel any responsibility to present anything other than your own prejudiced view.

“If a conservative is still a republican after the last 13 years, he is blind to the fact that his party of choice has failed him utterly.” – Realitybasedbob

yup! i agree with you rob… whatever the credit card holder does with that ‘plastic card’, essentially it is his/her responsibility, and his/hers alone… whether the consumer purchases a ‘super gadget’ that could solve global poverty, of if he buys some distasteful porn magazines…

Please tell me that you don’t really believe that!!

I’m not a liar, so I meant what I said.  It’s actually pretty standard psychological analysis.  I didn’t ask you for any advice on how to “improve” my commenting, so you came up with that all on your own, and it was based on your personal negative assessment, or your transferred hurt feelings, whatever.

But, please tell me what you were trying to accomplish with your unbidden criticism.  Had I asked for your advice, it would be different, but I didn’t ask for your advice.  Something “moved” you to give it anyway; what was that?

FYI, I consider that all lefties, when they talk about their agenda for this country, are lying, unless they say they want to take it over in a bloody revolution and install their vision of a “workers’ paradise” with themselves as part of the ruling elite, giving the rest of us orders about how to do almost everything.  They attack our Constitution and our laws, and make every effort to undermine what makes America great. When they claim to love this country or to be patriotic, or to support the troops, it is because they have redefined “love”, “patriotic” and “support”.  They are simply lying. When they complain about the spending of the Bush administration, one might think they want to improve that by spending less, but actually they want to spend more, so they are lying then, as well.
The reality is that the lefties want to do to us what the KKK did to Republicans in the South after Reconstruction: they want to get rid of us.  Whenever they claim to want anything else, they are lying.

Understand me now?  I hope you’re glad you started this line of commentary.

If you don’t know by now, don’t mess with it.

What makes you believe
credit-cards.interest.com/
has some agenda? Explaining credit cards is their business.
What facts have you presented to establish your beliefs ? Your experts?

My credit card statements often come with 3 or 4 pages of fine print thrown into the envelope.
Things change.

My credit card statements often come with 3 or 4 pages of fine print thrown into the envelope.

Have you ever read it, or are you content to be a whiny victim?  Actually, if you live within your means, you have nothing to worry about.
Hint: It’s not even a “magic formula” known only to “the rich”; anybody can do it.

If you don’t know by now, don’t mess with it.

What makes you believe credit-cards.interest.com/ has some agenda?

Assuming your cut and paste was accurate, you didn’t take anything out of context or do any cherry-picking, they made what I know to be some inaccurate statements.
Belief plays no part in it.

If you don’t know by now, don’t mess with it.

These guys seem authoritative.
Which is why I C&P their words.
Are They Liars?

WOOF,

No, they are not liars.  They are merely misinformed.

“Poverty of goods is easily cured; poverty of the mind is irreparable.”

robert108: 

Something “moved” you to give it anyway; what was that?

This…

Your frequently valid and important points would be far better delivered with less hostility.

I actually admire most of the stuff you post, but I also agree with Will Rogers when he said, “I never met a fly that was attracted to a swatter.”

"Here lies, in honored glory, an American soldier, known but to God.”

The stakes are high. Whether the issue is the economy, or energy, or the federal courts or national security, the right answers are coming not from the Democrats, but from the Republicans. The surge of operations that began a year ago is succeeding. The only way to lose this fight is to quit. Richard M. Cheney, Vice President, 30 May, 2008

I actually admire most of the stuff you post, but I also agree with Will Rogers when he said, “I never met a fly that was attracted to a swatter.”

You misunderstood my question; I’m asking what gave you the impression that I wanted your input on how I comment on this blog?

If you don’t know by now, don’t mess with it.

Your source Bat?

They are merely misinformed.

Some think interest rate can be raised because of Credit score (700 drop to 640?), others think buying frivolous luxuries.
Failing to pay another credit card in a timely manner is definitely a way to have your interest rate raised.
With thousands of different CC agreements the exploitation by an issuer raising rates because of a minor unrelated late payment rings of unfairness.
We know who writes the rules, ain’t about fair.

WOOF,

The details regarding a late payment to an electric utility or a bounced check are as I’ve described them.  But if you prefer to believe that those items will otherwise show up on your credit report, you’re certainly free to think so.

A substantial drop in one’s credit score is certainly one way to have yor credit card rate increased, a fact which is universally disclosed in all that fine print that most people can’t be bothered to read… at least until its too late.

Of course, the obvious answer is to think of credit as an asset to be carefully protected and prudently managed, and not some sort of entitlement to be frivolously abused.  If you make it a habit to pay off your credit card balances every month, then interest charges, late fees, and over-the-limit fees are simply not an issue.

“Poverty of goods is easily cured; poverty of the mind is irreparable.”

robert108:  I didn’t misunderstand your original question.  You simply didn’t ask what you are now asking in your second question.

So, which one do you want an answer to?

"Here lies, in honored glory, an American soldier, known but to God.”

The stakes are high. Whether the issue is the economy, or energy, or the federal courts or national security, the right answers are coming not from the Democrats, but from the Republicans. The surge of operations that began a year ago is succeeding. The only way to lose this fight is to quit. Richard M. Cheney, Vice President, 30 May, 2008

So, which one do you want an answer to?

I don’t know why you are avoiding answering my question; I asked it in different ways to try to phrase it in a way you could respond to, but that seems to be a false hope on my part.  Please answer, or at least, understand that I have no desire for any critiques from you on how I communicate, which was my original response to your unsolicited input in the first place.
I don’t blog here to get your approval, nor anyone’s, for that matter.  I do it to express what I’m perceiving.  If you don’t like it, too bad for you.
You can waste your time trying to act as my undesired editor, but this is my last response to you on this subject, unless you choose to answer my question.

If you don’t know by now, don’t mess with it.

robert108:  First, I don’t need your permission to SAY ANYTHNG and if I feel called upon to address your errors, hostility or arrogance to anyone or anything, I will do so if I feel like it.  You certainly do it all the time!

Second, you operate from the point of view that you and ONLY YOU know the correct answer to anything, which is simply not true.  When I nailed you a few weeks back and you knew I was right, the best you could do was to say, “We’re both wrong”, which, of course was not true.  You had neither the guts or the honesty to say, “You know, you’re right.”

Indeed, when was the last time that you ever admitted to making a mistake on this blog. I would guess never.

I will say this one more time:  I frequently agree with and learn from your many excellent posts, and occassionally you give me pause to think. 

But when you hurl unnecessary insults at people lke “LIAR” or “I GUESS YOU DIDN"T UNDERSTAND ME THE FIRST TIME” then I may call you on it. 

You’re a good writer, but you are no tin god. Get over yourself.

"Here lies, in honored glory, an American soldier, known but to God.”

The stakes are high. Whether the issue is the economy, or energy, or the federal courts or national security, the right answers are coming not from the Democrats, but from the Republicans. The surge of operations that began a year ago is succeeding. The only way to lose this fight is to quit. Richard M. Cheney, Vice President, 30 May, 2008

Second, you operate from the point of view that you and ONLY YOU know the correct answer to anything, which is simply not true. This is a declarative statement on your part which is untrue, and you know it’s untrue, or at least you have no way of determining its truth, so that makes it a lie. When you say I “operate” from a point of view which I do not operate from, you are lying. Y When I nailed you a few weeks back and you knew I was right, the best you could do was to say, “We’re both wrong”, which, of course was not true. You were wrong, and so was I; it was a minor difference, but obviously your ego needs to magnify it.  I pity you. You had neither the guts or the honesty to say, “You know, you’re right.”

Indeed, when was the last time that you ever admitted to making a mistake on this blog. I would guess never.  And you would be dead wrong.  At least you used the word “guess” this time.

If you don’t know by now, don’t mess with it.

I stick with my initial assessment of this entire off-topic excursion by you:  Unsolicited criticism is a sign of hostility.  You have given me no reason to reconsider that assessment in your subsequent comments.

If you don’t know by now, don’t mess with it.

That makes it a lie…

You are lying…

Lying:  The deliberate act of deviating from the truth.

Nearly all of the people on this blog at whom you fling the accusation of lying are doing no such thing.

"Here lies, in honored glory, an American soldier, known but to God.”

The stakes are high. Whether the issue is the economy, or energy, or the federal courts or national security, the right answers are coming not from the Democrats, but from the Republicans. The surge of operations that began a year ago is succeeding. The only way to lose this fight is to quit. Richard M. Cheney, Vice President, 30 May, 2008

Lying: The deliberate act of deviating from the truth.

An inadequate definition; I have asked you several times now(with no answer) how you regard someone who puts forth information whose truth value is unknown to them, in the service of trying to win an argument or to support their agenda?  That’s what we have here, in both cases.  You seem to want to impose your own ideas of writing style on me, and you try to do that by invalidating my style of writing.  I guess you hope I’ll drop my style(to get your approval) and follow your ideas.  You’re going to fail in that effort, but you keep on trying the invalidation tactic, even though I’ve told you a number of times I have no intention of doing what you want me to do.
Why is that?  I believe Werner Erhard described insanity as continuing with the same input habits, while expecting a different outcome.  I don’t think you are insane, but you are acting that way on this thread.  What do you possibly think you are going to accomplish with this?

Nearly all of the people on this blog at whom you fling the accusation of lying are doing no such thing.

Your use of “flinging” is just another failed attempt at invalidation.  In fact, I hold back a lot; I see lies of all types every day on this blog, and only call out a small percentage of them.  As I explained at length to you before, lefties are generally lying all the time, in that they never reveal their true agenda for this country, which underlies almost all their comments.  If I called out each and every one of those lies, and explained them in detail with facts and logic, I would have little time to do anything else.
As I also said before, willfully refusing to check out information, while citing it in defense of a point, is also lying, IMO.
You can keep up this charade as long as you like, and I will comment if I find anything more you have to say on the matter to be interesting.

About the only thing that would interest me is an honest answer as to why you started this in the first place.  What’s your inner need?

If you don’t know by now, don’t mess with it.

I see lies of all types every day on this blog

Really....?  Sounds like a line from The Cain Mutiny.

"Here lies, in honored glory, an American soldier, known but to God.”

The stakes are high. Whether the issue is the economy, or energy, or the federal courts or national security, the right answers are coming not from the Democrats, but from the Republicans. The surge of operations that began a year ago is succeeding. The only way to lose this fight is to quit. Richard M. Cheney, Vice President, 30 May, 2008

Really....? Sounds like a line from The Cain(e) Mutiny.

What’s your need to keep on doing something that will never work?  No you’re reduced to further off-topic nonsense.

If you don’t know by now, don’t mess with it.

Did you mean ”Now you’re reduced”?, because “No you’re reduced....” doesn’t make any sense.

"Here lies, in honored glory, an American soldier, known but to God.”

The stakes are high. Whether the issue is the economy, or energy, or the federal courts or national security, the right answers are coming not from the Democrats, but from the Republicans. The surge of operations that began a year ago is succeeding. The only way to lose this fight is to quit. Richard M. Cheney, Vice President, 30 May, 2008

What if Queeg meant to use a comma?

“If a conservative is still a republican after the last 13 years, he is blind to the fact that his party of choice has failed him utterly.” – Realitybasedbob

Did you mean ”Now you’re reduced”?, because “No you’re reduced....” doesn’t make any sense.

Yes.  Thanks for catching that.  Are you going to answer my question?

If you don’t know by now, don’t mess with it.

robert108:  Thanks for catching my spelling error. My bad.

"Here lies, in honored glory, an American soldier, known but to God.”

The stakes are high. Whether the issue is the economy, or energy, or the federal courts or national security, the right answers are coming not from the Democrats, but from the Republicans. The surge of operations that began a year ago is succeeding. The only way to lose this fight is to quit. Richard M. Cheney, Vice President, 30 May, 2008