In all the long years I have been posting credit advice I have occasionally come across those who are in the BUSINESS of making trouble for everyone else. Sometimes they were CROs ( Credit Repair Organizations) trying to drum up business and discredit others,sometimes they were CA "trolls" seeking to disrupt forums by giving bad advice, occasionally it was someone who was well meaning but uninformed who quickly changed their attitude when corrected.
If you are a new poster, look carefully at the left hand information box of anyone responding to your posts. Look to see how long they have been a member of the forum, that is the BEST indication of the value of their advice.
Here is a link to a post I made from several years ago: ( IT IS SATIRE)