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elcid89: profile ↓

elcid89


born: 1938

gender: male

golo member since: September 6, 2007

about elcid89

With all of the complaining that goes on here (some of you honestly seem incapable of doing anything else BUT complaining ...), GoLo has become depressing.

With the general trend towards the banal and inane, GoLo has become a waste of my time. 

What is it about this place, which has so much promise of bringing people together to discuss ideas and learn from one another, that it brings out the worst in people instead?

You'll forgive me if I take my leave of it.





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Yes..it is about time. Welcome to GOLO!

Hello elcid!! You and I don't agree on education, but I do like reading your posts. You are one of those with some sense!!

In your post you said the negative information that FICO has will fall off 7 years from the date it was reported? Am I understanding you correctly? If that is the case, then I should see a major increase in my score? Or am I grasping at straws? LOL

"In your post you said the negative information that FICO has will fall off 7 years from the date it was reported? Am I understanding you correctly? If that is the case, then I should see a major increase in my score? Or am I grasping at straws? LOL"

You'll see a gradual increase as the delinquencies age. The older something bad on a credit report is, the less the scoring model penalizes you for it. Eventually, when it ages off at 7 years, it stops being a penalty altogether. Nothing is really that drastic when it comes to changes in a credit score.

What took you so long?

"Hello elcid!! You and I don't agree on education, but I do like reading your posts. You are one of those with some sense!!"

What do we disagree on? I get taken way out of context at time, or at least I'm afraid that I do.

"What took you so long?"

I had a negative experience a few years ago related to one of these type of forums in which someone deduced who I am and started calling the university with all sorts of complaints. I wanted to make sure that wasn't going to happen again before I agreed to do this.

Thank God Elcid. I like a lot of what you say - sometimes I don't agree but I do enjoy reading anyway. I know I got a little carried away with my personal issues on that Morgtage article and did apologize for it it but yet I was still call an idot. Then I read one of your post about the two Pompas people and wondered who you we're you referring to. I tend to think me. If I mistaken I'm truly sorry. You seem to be giving so much advise to people on that forum about their persoanl issues with credit and Mortagess and then I think back to that statement of yours referring to the two Pompas People and can't help think you we're referring to me as one of those people when I was talking (wongfully) about my personal issues and being called a Pompas Retard. Again, If I'm mistaken I'm sorry.

Elcid, I need you to reply to my question that I leave on your page on my page, sir,. LOL..it is too much work looking at the pages you leave questions on. I dont have a good memory. Now back to my question, I will keep an eye on it and hope to see a change. thank you . Have a great day!

Elcid - Welcome!!

How many guesses do I have left on the law school question?

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