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State of Maine's response about credit scores and inquiries

Bureau of Consumer Credit Protection responds to enqiry about credit report inquiries and whether no corresponding credit extension affects credit scores #1504M #DotGov

| By Greg Fisher

[PREVIOUS CORRESPONDENCE]

From: Lund, William N
Sent: Tuesday, April 14, 2015 12:22 PM
To: greg@truthandfalsity.com
Subject: FW: Media - On Line info on the reporter

Dear Mr. Fisher:

To date we have not been able to find corroborating evidence of the consumer booklet's statement implying that credit applications without corresponding granting of credit is more detrimental to a consumer's credit score, than the impact of the inquiry itself.

We will make corrections in the next edition of the booklet, which will occur within the next several months.

Thank you for fact-checking that information for us.

  Will Lund

_____________________________
William N. Lund, Esq., Superintendent
Maine Bureau of Consumer Credit Protection
[ADDRESS]
[TELEPHONE, FAX]




[THE MESSAGE BELOW WAS ATTACHED TO THE SUPERINTENDENT'S EMAIL. SEE "Equifax, '[Blankity] CREDIT SCORING MODEL'?"]

From: Greg Fisher [mailto]
Sent: Monday, February 09, 2015 8:34 AM
To: Tim Klein, vice president, Corporate Communications, Public Relations, Equifax
Subject: credit score, Equifax

See this message and your response at creditscoring.com/interaction. #1502T

What is the name of a lender who uses the "The Equifax Credit Score" based on Equifax data?

I am not a reporter on deadline. This is more important than that.

Make sure that the top person of your company gets a copy of this, please.

--
Greg Fisher
Truth and Falsity
truthandfalsity.com
Page A2
pagea2.com
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342
937-681-3224


From: Greg Fisher
Sent: Thursday, April 16, 2015 8:06 AM
To: William N. Lund, superintendent, Bureau of Consumer Credit Protection, state of Maine
Cc: Gerri Detweiler, expert, Credit.com (via M. Schreiber)
Subject: RE: Media - On Line info on the reporter, who, good

See this message and your response at creditscoring.com/interact... .

You're welcome.

Who sent you the message in the attachment?

Was there any indication that the top person of Equifax got it?

Who declared 680 a good credit score?

--
Greg Fisher
PO Box 342
Dayton, Ohio 45409-0342


The Credit.com personal finance expert states that 661 is a good credit score. Meh. See "'The Bar' - Finally, a way to tell exactly what is "good" credit. They actually come right out and give numbers."


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