I'm getting looser than a crackhead's hair weave

"I'm energetic, poetic, athletic, with good credit
So just move like I'm Simon and I said it"
Grand Puba, "I Like It"

I came upon this interesting article not long ago. It was about the new revision to the credit scoring system and how the changes could possibly affect consumers. It was revealing because I, for one, thought that they were planning to completely jack things up and make it really confusing, kind of like how they did with the SATs. You know how it went from 1600 being a perfect score to 2400? Well I thought they were going to seriously throw off what an 850 used to mean. But I was wrong.

FICO scores will still range from 300 to 850 -- the higher the better -- and the model will continue to look at the same factors, including consumers' level of credit indebtedness and payment histories, length of credit histories, number of recent credit openings and inquiries, and the type of credit used, to determine scores. But the new model will more finely slice and dice the information in consumers' credit files to do a better job of separating the "good risks" from the "bad risks."

I knew nothing about credit scores coming out of high school. And I didn't really catch on to those financial workshops during freshmen year either. By sophomore year, I had three credit cards. I eventually figured it out own my own, but also to my own detriment. The youngins got it easy nowadays, yo. Next thing you know they going to be doing seminars on how to tie your shoes for graduating seniors. Anyways, I was initially worried how my score would shift. But now, I am really not that concerned in the least. I believe I have fairly frugal and conservative in monitoring my credit and doing the right things to remain in good stead. But you still need to make your your credit reports are accurate. Just holla at the three-headed monster and handle that. Plus, there are all kinds of how-to guides explaining every minute detail of what to do to get your ish straight. Not enough heads really realize the long-term impact of poor financial management and credit history. I've made a serious come-up and actually followed through on a couple of resolutions from 'old' years past. Now, if we could only start pooling our resources more and really spur some economic development and philanthropy among young black professionals, then it'd be really on an popping. Only time will tell.