The Credit Scoring Site
A bleak account

Dirty Data
in the media

Clark Howard
Federal Reserve
Chicago Tribune
Christian Science Monitor
Columbus Dispatch
Augusta Chronicle
Realty Times
Realty Times
Nolo: Credit Repair
MoneyCentral Radio
The Detroit News, July 17, 2000
Money Maze Radio
USA Today Hot Site, 9/17/98

FICO Company Warns Employers Use Credit Scores that Credit Reporting Agencies Deny Providing
Fair Isaac myFICO uses video to make the statement, but the issue is blurry.

(also, see Pre-employment Screening. Influence: Government)

Contrary to statements from the three national credit reporting agencies, Fair Isaac, the FICO credit score company, warns that employers use credit scores in hiring decisions.

On the home page of its website, a Fair Isaac video states:

In addition to credit decisions, your FICO credit score may be used to determine if a landlord will rent to you, or even if an employer will hire you. That's right. That little three-digit number between three-hundred and eight-fifty impacts your financial life in a lot of ways.

The video, "Why go with FICO?" can also be found on was removed from the video website YouTube:

Replying to in April, consumer reporting agencies Equifax, Experian and TransUnion all denied providing credit scores to employers for employment screening. However, as previously reported on, government, media and legal-profession players make the same claim as Fair Isaac-- that credit scores are, indeed, part of employers' pre-employment screening.


UPDATE: Fair Isaac Used Only Anecdotal Evidence
FICO company fails to name one employer using credit scores

Asked for the source of its information that a FICO credit score could determine the outcome of an employment application, Fair Isaac responded to that it used "anecdotal information gleaned from public sources such as published articles."

Asked to identify an employer using scores, Fair Isaac named none.

The question of the authorized user effect increasing a score so one employment candidate might have an an advantage over another is unanswered.

Fair Isaac's public affairs manager claimed that, to his knowledge, Fair Isaac itself does not use credit scores for employment screening.


UPDATE: YouTube video removed
Infamous "Why go with FICO?" disappears

But, you can still see the video, now called "Why myFICO?," at

Fair Isaac Tech Talk seems to have take over the Fair Isaac FICO score YouTube slot.

Updated 2/4/09

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, 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 helped him-- and millions of other consumers-- extend fair credit reporting rights to credit scoring information."

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

" 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, and"