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Landlord here: The guy is invested in his property. That's not a crime. He's a cook. Also not a crime. Question is - has the Property Manager been calling you about the lawn complaining? Or have you just noticed him driving by every few days keeping an eye on his property? If the...

Fixed that for you. PoA wasn't intended to be a bar-room brawl. Civil discussion and debate is fine - but "free form" implies "anything goes" - and that's never been ok here.

It says MSFS is a damn good flight simulator.

You can get a high score a few years after bk, never mind 10. That isn't exactly the point. There's a difference between credit *score* (a "How much I love debt" score) and a credit *history*.

True dat. Back around 2000 someone "anonymously" tried to sign me up for a couple dozen porn spam mailing lists after I kicked him off an EverQuest fan board. He was shocked when the director of his IT department showed up at his desk wanting a chat, after said director had gotten a phone...

As I recall, you and others have been accusing the MC of this since the early days before the red board came back online. I come here after a few years absence and it seems much the same as it was before. How has it gotten worse?

Sounds like a good day! Sounds also like someone may be catching the bug. ;)

I disagree. Consider this from the OP: "Returns have been marginal over the last few months" When investing > a few years, one doesn't worry about the few months.

It's still an official recognition of "This should never have been added."

I agree that since the officer was discharged over this, he should pursue having his record expunged.

Arrest != Conviction so I would say no. Dismissed charges = INNOCENT.

IMO: Investing is not done over months or years, but over at minimum five years. Anything less isn't investing, it's speculating.

Discussion of the system and politicization of it belongs there, certainly. Calling out those who turned a "I'm looking for help" thread into a "you're a mooching parasite" thread - I got no beef with that ;)

Y'all wanna know why I'm back here? http://goo.gl/maps/iz1G I've been riding that trail 4x a week. So 4x a week I get *that* view...

And finally there is potentially tremendous emotional drama involved in bankruptcy. Especially if your situation is more involved than just "i was dumb with cc's". Its not quick, its not clean, its not painless. One of many such stories illustrating the point...

Car insurance? If you have no credit score you should be able to call up your agent and raise hell. Apartment rental? Show the landlord a bank statement. Bankruptcy, job security, etc? Hell no. You file bankruptcy and it doesn't matter if your CR no longer shows it (after 10...

Because severely negative items on your credit report *can and do* have an impact on non-credit related activities. It can impact the cost of car insurance, your ability to rent an apartment, even your ability to get a job or a security clearance. And by the way, wrt your little "cc to buy...

What I noticed was that commercial was required before instrument... (though I see the commercial included instrument so I guess that was more a local idiosyncracy )

You may not be aware that credit score != credit report.

Yes Adam but simply passing the means test to file doesn't mean one *should* file. Bankruptcy drops a nuclear bomb on your credit report. Worse, it sticks with you for life. You must, forever, answer "yes" when asked, 'Have you filed for bankruptcy?" Very very often, one CAN recover...