PART ONE
The Credit Scoring Site
A bleak account
Google
Web     creditscoring.com     creditaccuracy.com
 

PART TWO
creditaccuracy.com
Dirty Data

creditscoring.com
in the media

HowStuffWorks
Clark Howard
Federal Reserve
Chicago Tribune
Christian Science Monitor
Columbus Dispatch
Augusta Chronicle
Bankrate.com
Bankrate.com
Realty Times
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About.com
MoneyCentral Radio
The Detroit News, July 17, 2000
Money Maze Radio
USA Today Hot Site, 9/17/98
Influence > Consumer advocates > PIRG > Employers

U.S. PIRG fails to prove employers use credit scores

And demonstrates a lack of knowledge regarding statehouses

Also, see

National Financial Literacy Month, 2011 (video),
Myth: Employers use credit scores


11/24/2010

See USA Today on employers using credit scores, Part 2.

From: Greg Fisher
Sent: Sunday, September 20, 2009 10:37 PM
To: Ed Mierzwinski, consumer program director, U.S. Public Interest Research Group
Cc: Dale Quinn, reporter, Arizona Daily Star; Bobbie Jo Buel, executive editor, Arizona Daily Star; Teri Hayt, managing editor, Arizona Daily Star, Tuscon; John Humenik, publisher & editor, Arizona Daily Star, Tuscon; Andre Delattre, executive director, U.S. PIRG; uspirg@pirg.org; Jane Regan, U.S. Public Interest Research Group; Gynnie Robnett, U.S. PIRG
Subject: credit score, employers, Arizona Daily Star, U.S. PIRG

Ed Mierzwinski, Consumer Program Director
U.S. Public Interest Research Group
218 D St SE, Washington, DC 20003

"And Mierzwinski said that number could be even higher… He said the use of credit scores by employers and landlords should be banned."

What evidence suggests that employers use credit scores?


From: Greg Fisher
Sent: Wednesday, September 23, 2009 9:53 AM
To: Andre Delattre, executive director, U.S. PIRG; federalnews@pirg.org; uspirg@pirg.org; pirg@pirg.org
Cc: Dale Quinn, reporter, Arizona Daily Star; Bobbie Jo Buel, executive editor, Arizona Daily Star; Teri Hayt, managing editor, Arizona Daily Star, Tuscon; John Humenik, publisher & editor, Arizona Daily Star, Tuscon; Jane Regan, U.S. Public Interest Research Group; Gynnie Robnett, U.S. PIRG; Ed Mierzwinski, U.S. PIRG; information@lee.net; Mary E. Junck, chairman, president and chief executive officer, Lee Enterprises (Arizona Daily Star); Gabe Aceves, Alaska PIRG; Janet Domenitz, Massachusetts PIRG; Emily Rusch, California PIRG; Brian Imus, Illinois PIRG; Johanna Neumann, Maryland PIRG; Allison Cairo, New Jersey PIRG; nyc@nypirg.org; James Browning, Pennsylvania PIRG; Paul Burns, Vermont PIRG; Morgan Keenan, Ohio PIRG
Subject: RE: credit score, employers, Arizona Daily Star, U.S. PIRG

Douglas H. Phelps, president, chairman
U.S. PIRG
44 Winter St, 4th Floor
Boston, MA 02108

Please reply.

Also, while the Minnesota House chamber is grand, it is not located in Ohio.

Greg Fisher
creditscoring.com




From: Ed Mierzwinski
Sent: Wednesday, September 23, 2009 10:35 AM
To: 'Greg Fisher'; andre@pirg.org; federalnews@pirg.org; uspirg@pirg.org; pirg@pirg.org
Cc: Dale Quinn, reporter, Arizona Daily Star, Tuscon; Bobbie Jo Buel, executive editor, Arizona Daily Star, Tuscon; Teri Hayt, managing editor, Arizona Daily Star, Tuscon; John Humenik, publisher & editor, Arizona Daily Star, Tuscon; Jane Regan, U.S. Public Interest Research Group; Gynnie Robnett, U.S. PIRG; information@lee.net; Mary E. Junck, chairman, president and chief executive officer, Lee Enterprises (Arizona Daily Star); Gabe Aceves, Alaska PIRG; Janet Domenitz, Massachusetts PIRG; Emily Rusch, California PIRG; Brian Imus, Illinois PIRG; Johanna Neumann, Maryland PIRG; Allison Cairo, New Jersey PIRG; nyc@nypirg.org; James Browning, Pennsylvania PIRG; Paul Burns, Vermont PIRG; Morgan Keenan, Ohio PIRG
Subject: RE: credit score, employers, Arizona Daily Star, U.S. PIRG

This will be my last comment for creditscoring.com on this subject. There is no need to carpet bomb my colleagues with your questions.

U.S. PIRG's well documented position is that credit reports contain serious mistakes in large numbers. It is a fact that employers use credit reports. It is a fact that credit scores are derived from reports. U.S. PIRG supports a wide variety of changes to improve the accuracy of credit reports and therefore scores. Although Congress recognized the employment use problem in 1996 when it gave employment applicants more credit bureau rights than credit applicants, that action was inadequate to help applicants. So, the use of credit reports (and therefore by extension scores) by employers should be (largely) banned for the reasons articulated here http://static.uspirg.org/consumer/archives/2009/07/banning_credit.html

It doesn't matter to me whether employers are using scores, they are using reports, and their use of reports should be rolled back. Whether that rolls back actual or potential use of scores by employers is immaterial to the issue that bad reports and scores derived from them hurt consumers.

_________________________
Ed Mierzwinski, Consumer Program Director
U.S. Public Interest Research Group
[address]
[phone]
PIRG consumer blog www.uspirg.org/consumer

From: Greg Fisher
Sent: Wednesday, September 23, 2009 12:14 PM
To: Andre Delattre, executive director, U.S. PIRG; federalnews@pirg.org; uspirg@pirg.org; pirg@pirg.org
Cc: Dale Quinn, reporter, Arizona Daily Star, Tuscon; Bobbie Jo Buel, executive editor, Arizona Daily Star, Tuscon; Teri Hayt, managing editor, Arizona Daily Star, Tuscon; John Humenik, publisher & editor, Arizona Daily Star, Tuscon; Jane Regan, U.S. Public Interest Research Group (PIRG); Gynnie Robnett, U.S. PIRG; information@lee.net; Mary E. Junck, chairman, president and chief executive officer, Lee Enterprises (Arizona Daily Star); Gabe Aceves, Alaska PIRG; Janet Domenitz, Massachusetts PIRG; Emily Rusch, California PIRG; Brian Imus, Illinois PIRG; Johanna Neumann, Maryland PIRG; Allison Cairo, New Jersey PIRG; nyc@nypirg.org; James Browning, Pennsylvania PIRG; Paul Burns, Vermont PIRG; Morgan Keenan, Ohio PIRG; Ed Mierzwinski, US PIRG; Charles Bell, Consumers Union; Diane Allison, Educational Foundation of America; Drummond Pike, Tides Family of Organizations; Ford Foundation; Robert Crane, JEHT Foundation; Media Democracy Fund; Ottinger Foundation; Lauren Asher, The Institute for College Access & Success; communications@rbf.org; questions@surdna.org; jennifer Robinson, gabbegroup; media@rockfound.org; Steven Broderick, communications director, Congressman Steve Cohen; Stuart Clarke, Town Creek Foundation; Tina Kroll-Guerch, Wallace Global Fund; Rebecca Dreilinger, Congressman Luis Gutierrez
Subject: RE: credit score, employers, Arizona Daily Star, U.S. PIRG, no evidence

Douglas H. Phelps, president, chairman
U.S. PIRG
44 Winter St, 4th Floor
Boston, MA 02108

What evidence suggests that employers use credit scores? Your organization's representative provided none.

Do you have any?


From: Ed Mierzwinski
Sent: Wednesday, September 23, 2009 12:35 PM
To: Greg Fisher
Subject: RE: credit score, employers, Arizona Daily Star, U.S. PIRG, no evidence

This will be my last comment for creditscoring.com on this subject. There is no need to carpet bomb my colleagues with your questions.

U.S. PIRG's well documented position is that credit reports contain serious mistakes in large numbers. It is a fact that employers use credit reports. It is a fact that credit scores are derived from reports. U.S. PIRG supports a wide variety of changes to improve the accuracy of credit reports and therefore scores. Although Congress recognized the employment use problem in 1996 when it gave employment applicants more credit bureau rights than credit applicants, that action was inadequate to help applicants. So, the use of credit reports (and therefore by extension scores) by employers should be (largely) banned for the reasons articulated here http://static.uspirg.org/consumer/archives/2009/07/banning_credit.html

It doesn't matter to me whether employers are using scores, they are using reports, and their use of reports should be rolled back. Whether that rolls back actual or potential use of scores by employers is immaterial to the issue that bad reports and scores derived from them hurt consumers.

_________________________
Ed Mierzwinski, Consumer Program Director
U.S. Public Interest Research Group
[address]
[phone]
PIRG consumer blog www.uspirg.org/consumer

(Note: The highlight is PIRG's)

A year later, it matters. After an email exchange with creditscoring.com, this appeared on Credit.com: "In the original version of this story Ed Mierzwinski of U.S. PIRG was quoted as saying that employers frequently check credit scores of job applicant[SIC]. That is incorrect. Employers are not permitted to check credit scores. They are, however, permitted to check credit reports, and many do. Mr. Mierzwinski says he believes he did say 'reports,' not scores."



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Do employers use credit scores?

Don't believe it.


April, 1997: "Information on how to obtain one's credit score is suspiciously absent from your site. How do I get mine?"

"And we're not running a game show. I mean, we're evaluating risk. We're not trying to have people get--achieve the highest score."

"Fisher is a fan of going by the book and then beyond it."

"He beat the scoring proponents to the punch by scooping up the web address http://www.creditscoring.com, from which he launches often strident, sometimes wacky, but usually well-documented attacks on the credit-scoring concept and the industries that support it."

Realty Consumers Empowered By Online "Peoples" Court - "His Web site CreditScoring.com helped him-- and millions of other consumers-- extend fair credit reporting rights to credit scoring information."

"Fisher operates the www.creditscoring.com Web site, which skewers the secrecy of the credit bureaus and Fair, Isaac." - The Detroit News

"CreditScoring.com is an exceptionally-interesting site that offers news and information regarding credit scoring and-- really-- the entire credit process."

"'Garbage in, garbage out,' says Greg Fisher of Dayton, Ohio, who runs two Web sites on the subject, creditscoring.com and creditaccuracy.com."