Training Experian update: Employers and scores
Another example of Experian saying scores are used by employers. Reset the countdown for the correction-- there's another screw-up.
View ArticleAverage credit score trend chart/time series
The ups and downs. Are credit scores getting better, or worse? A credit score chart, cobbled together from various sources, to show average credit scores over time, year-by-year.
View ArticleMembers of Congress say credit scores are used by employers
A bill is introduced while the consumer reporting agencies say that they do not even sell credit scores for employment screening. Coming soon: Congress makes perpetual motion illegal.
View ArticleCredit score use by employers depiction by CBS
Dallas CBS television station cannot name its source, but refuses to change its story. Despite the CRAs claim that they do not sell scores to for employment, the expert financial analyst launches into...
View ArticleFICO states average credit score
FICO CEO's message differs from company line in the past. In an August 6 interview on CNBC about a company study, the FICO CEO utters, "Average score is somewhere in the mid 600s." [video]
View ArticleMcClatchy newspaper will not identify its sources
Lawyer takes the fall. BONUS: The definition of the use of the word "usually" from the legal profession.
View ArticleAverage credit score chart, FHA loans
HUD trend statistics for government insured FHA loans and their FICO scores FHA fires back.
View ArticleThe Dallas Morning News on employers not using Equifax credit scores and reports
Media syndicate reports Equifax does not provide credit scores or even reports to employers, but Equifax's ads say something else. Equifax's network of scary, inaccurate advertising
View ArticleCredit scores used by employers: Media reports video
Despite evidence to the contrary, network, cable, local and internet electronic media reports allege credit score use in employment screening. The camera never lies.
View ArticleCredit score utilization ratio misinformation
Exploding a myth Will they issue corrections?
View ArticleCongressman: Employers use scores, and utilization ratio importance
Treasury says employers use scores, and a congressman complains; also complains about utilization ratio effect. A letter from a congressman to the Comptroller of the Currency, United States Department...
View ArticleH.R.4173 - Wall Street Reform and Consumer Protection Act of 2009
U.S. House bill calls for consumers to get same credit scores that lenders get. How Experian's action shaped legislation.
View ArticleFair Isaac v. Experian et al react to verdict in VantageScore trial
Press releases regarding lawsuit between FICO and the credit bureaus over VantageScore. FICO to appeal. District Court in midwest rules against Fair Isaac (maybe they should have stayed in California).
View Articlezendough - The religion of the credit score
TransUnion floats another credit report and credit score website filling up virtual shelf space. You just have to have faith.
View ArticleH.R.3149 - Congressman's statement about employers using credit scores
Email to congressman and co-sponsors requesting information source > Government > Legislators. Another attempt to contact the congressman.
View ArticleWashington AG: Credit scores and security clearances
Washington state attorney general does not say what security clearances require credit scores > Government > Washington AG. What "may" or "can" happen.
View ArticleCredit score distribution and practical ranges statistics
Industry illustrates FICO credit score breakdown and useable ranges of the distribution > Distribution. How many people have what score?
View ArticleMentions of credit scores in employment in Oregon
Chicken/egg dynamic between legislature and media regarding credit score use in employment > > > Oregon SB 1045
View ArticleUSA TODAY story on employers and credit scores, 8/11/2003
Gannett outlet fails to provide its source, saying it happened too long ago > > > > USA TODAY, August 11, 2003
View ArticleUS FICO credit risk score reason codes
Fundamental document from FICO listing all of the FICO credit score reasons that a score is not higher > > > Reason codes A base piece of the puzzle; the reasons that could be given that the...
View ArticleFederal Reserve on credit scores used by employers, 2009
The Fed replies with its sources (popular media reports) to support claim that employers use credit scores > > > Recently, the Federal Reserve told congress that employers use credit scores. A...
View ArticleNew section: Enough to be Dangerous
First case: U.S. Bank and PrivacyGuard > > Partners sell a Fake-O as FICO.
View ArticleTwo and Two: The missing average FICO credit score
How is America doing? Putting two and two together about the average credit score. > It doesn't add up.
View ArticleDefense Security Service: Credit scores and security clearances
Federal agency in the Department of Defense states that it does not use credit scores for security clearances. Agency reviews credit , but not scores.
View ArticleAverage credit score is secret
The median FICO credit score was once known to be 723, but now the statistic is proprietary information. Contractual agreements between two of the consumer reporting agencies and scoring company FICO...
View ArticleTwo and Two: Credit scores fall story, July, 2010
Mainstream media report AP reports percentage of consumers with FICO scores under 600 rises to 25%. The AP story's premise contains some inconsistencies.
View ArticleEmployers using credit scores blogger meme
Blogosphere chain reaction furthers the notion of credit score use by employers. Fiction influences reality.
View ArticleTwo and Two: Credit scores fall story, 2010, AP, Part II
Responding to creditscoring.com, FICO removes information that supported Associated Press analysis that scores fell. Deletion of FICO credit score distribution charts invalidates wire service story.
View ArticleMagic 850
History is replete with numbers that define the world. The world of credit scoring has a famous number, too. Equifax, the national consumer reporting agency, has discovered the mystical power of 850.
View ArticleInfluence: Hearst
Hearst's San Francisco Chronicle, Investopedia and Fabulously Broke in the City and credit scores in employment and job screening. Uncanny similarity. The anonymous.
View ArticleEnough to be Dangerous: Mighty Net CreditReport.com
In 2010, Mighty Net's CreditReport.com claims that it provides a 3 bureau credit report with FICO scores from all three agencies. Experian just bought CreditReport.com with all its goofiness.
View ArticleInfluence: Forum Communications; interviewee on employers and credit scores
Author attempts to justify her comment that employers use credit scores. Her sources do not support her claim.
View ArticleInfluence: Tribune; Los Angeles Times on employers using credit scores
When asked for its source, Tribune Company's LA Times cites eHow.com. creditscoring.com: "If those are your sources, you blew it."
View ArticleInfluence: The Consumerist, Consumers Union, ValueClick
The Believers team meme gains steam, and things aren't always what they seem. Credit scores in employment and job screening. A correction following email by creditscoring.com. Fabulous Part II.
View ArticleU.S. House representative testifies employers use credit scores
As the consumer reporting agencies deny providing scores to employers, a congressman refers to credit score use in employment screening. Added feature: Experian
View ArticleFHA mortgage loan minimum credit scores, October 4, 2010
HUD introduces new minimum FICO credit scores and loan-to-value ratio requirements for FHA-insured loans. While HUD says , the market is tighter.
View ArticleU.S. PIRG fails to prove employers use credit scores
And demonstrates a lack of knowledge regarding statehouses Spokesman: "It doesn't matter to me whether employers are using scores, they are using reports, and their use of reports should be rolled back."
View ArticleEnough to be Dangerous: Evidence- in case you don't believe the story about...
A screenshot Too funny: After all the Experian/FICO hullabaloo, Experian's CreditReport.com made the bogus claim, "CreditReport.com can provide you with a 3 bureau credit report with FICO scores from...
View ArticleCBS News story about credit card myths
CBS News website contains the same sentences found on other websites Sad.
View ArticleGroundhog Day, 2011 - Wikipedia on credit scores
Wikipedia looks like an encyclopedia, but is really just a message board - A report starting 2/2/11 A supplement to Wikipedia's information about credit scores; you'll need it.
View ArticleValentines Day, 2011 - Fair Isaac
Fair Isaac says the FICO scale is 300-850. Court document says the range is otherwise - A report starting 2/14/11 The scale is, apparently, 368 to 871.
View ArticlePresidents Day, 2011 - Financial Literacy and Education Commission (FLEC)
Presidents Day, 2011 - Financial Literacy and Education Commission (FLEC) They're from the government and they're here to help you.
View ArticleSt. Patrick's Day malarkey, 2011 - VantageScore and Reuters on employers and...
The Consumer Federation of America credit score survey incident. VantageScore and Reuters further the employers-use-credit-scores myth. Want press? Conduct a survey. Want bad press? Do it with...
View ArticleCanada Day: Reuters claims Fair Isaac told it employers can use credit scores
Thomson Reuters in 2011 on the employers using credit scores in jobs and hiring myth. The news agency said Fair Isaac (FICO) confirmed the information. Not just one or two, but three instances in the...
View ArticleWhat is a credit rating?
Halloween, 2012 - Credit scares: Various definitions of a loosely used term The credit report law uses the term "credit score" 58 times, and it is defined. On the other hand, "credit rating" is used...
View ArticleWho changed the name of our Consumer Financial Protection Bureau?
The so-called CFPB, a new consumer reporting agency regulator, is a game changer whose name has changed already. The President doesn't even mention its name--whatever that name really is.
View ArticleFICO credit score report: You have too many credit accounts.
Cleveland Plain Dealer report of Fair Isaac statement regarding 'too many' cards Credit score company Fico's information on its websites conflicts with quote of Fico spokesman in Cleveland Plain Dealer...
View ArticleLabor Day, 2013 - CNN and the myth about employers and credit scores
Mainstream media myth, misinformation, mass hysteria, and mayhem in the CNN and Time Warner Ivory Towers Using Time Warner's own errors of fact in its political reporting to force it to make...
View ArticleCredit score myths
Myths, urban legends, misinformation, falsity and other nonsense about credit scores. Evidence and debunking. A growing list. First three myths for the list on this page and associated truth about...
View ArticleEffect of inquiries for credit card applications on credit scores
False belief about the magnitude of changes in a credit score due to inquiries for credit card applications An item at Rupert Murdoch's foxnews.com falsely states, "There will be a temporary dip of two...
View Article
More Pages to Explore .....