<prompt> Human: Heres a top post from LifeProTips The OP has fantastic information, but the rest of the commenters dont quite understand how credit works. I legitly feel bad for people who go to other subreddits for financial planning. Too many people who think they understand credit and usually tell people wrong information.So thanks pf for being my go to people when I need finance info from people who understand.  <response>: A thank you to all PF contributors and mods for helping the redirects from rfinance - we both have kept each community quality conscious as a result. Side note most of us on finance are on the bankinghedge fundprivate equity side and are happy to tell you the real story. Your traffic and informed questions are always welcome. Cheers 