FROM: Greg Fisher, greg@truthandfalsity.com
TO: Kayleen Yates, Bankrate, Red Ventures
CC: Todd Ossenfort, Pioneer Credit Counseling, Yoni Blumberg, CNBC, Comcast
DATE: November 28, 2018, 3:25 PM
SUBJECT: Re: Red Ventures

I am in the media, on a deadline and writing about you. The deadline is tomorrow.

Todd Ossenfort wrote, "Your employer, landlord and insurance company may also be using your credit score to decide how much to charge you, whether to hire or promote you or if you would be a good lease candidate." #falseinformation - #1811R - #Myth2

That is not true. Employers do not use credit scores.

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

FROM: Greg Fisher, greg@truthandfalsity.com
TO: Ryan Feldman, Red Ventures; Carrie Wiley, Red Ventures
CC: Kayleen Yates, Bankrate, Red Ventures; Todd Ossenfort (toddossenfort.com), Pioneer Credit Counseling #bounced; Yoni Blumberg, CNBC, Comcast
DATE: November 28, 2018, 5:37 PM
SUBJECT: Fwd: Red Ventures

---------- Forwarded message ---------
Katie Yates, Red Ventures
Date: Wednesday, November 28, 2018, 3:32 PM
Subject: Automatic reply: Red Ventures
To: Greg Fisher

I am currently in a meeting for the remainder of the day with limited access to email. If you are a reporter on deadline or need immediate assistance, please contact Ryan Feldman at [withheld]@bankrate.com / (917) [withheld] or Carrie Van Brunt Wiley at [withheld]@bankrate.com / (631) [withheld].

Best,
Katie

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

FROM: Greg Fisher, greg@creditscoring.com
TO: Todd Ossenfort, reader expert, CreditCards.com
DATE: Monday, May 3, 2010 11:13 AM
SUBJECT: credit score, employers

You wrote, "In addition, many employers make decisions about hiring and/or promoting based on a person's credit score and many insurance companies review credit reports to establish premium rates."

However, the second link in that sentence leads to a CreditCards.com document in which the only mention of credit scores is this: "He [Steven Katz, TransUnion spokesman] adds that these reports are often used when hiring for positions involving access to funds, trade secrets, client assets and sensitive personal information. (Katz stresses that consumers' credit reports -- not credit scores -- are used in such cases.)"

Who is your source regarding credit score use by employers?

FROM: Greg Fisher
TO: Todd Ossenfort
CC: Editors, CreditCards.com; Brad Slater, Rapid City Journal; Michael LeFort, Rapid City Journal
DATE: Friday, May 7, 2010, 12:43 PM
SUBJECT: RE: credit score, employers, CreditCards.com II, Rapid City Journal

Please reply. Your information is spreading.

http://www.rapidcityjournal.com/business/article_fdbee856-594c-11df-9db7-001cc4c03286.html

FROM: Greg Fisher
TO: Todd Ossenfort
CC: Editors, CreditCards.com; Brad Slater, Rapid City Journal; Michael LeFort, Rapid City Journal; Todd Williams, Rapid City Journal; PCCBK, Pioneer Credit; Client Care, Pioneer Credit; Counseling, Pioneer Credit; Housing, Pioneer Credit; Attorney Relations, Pioneer Credit
DATE: Friday, May 7, 2010, 1:30 PM
SUBJECT: RE: credit score, employers, CreditCards.com III, Rapid City Journal II

I'm the king of Bavaria.

Who is your source?

If you say that employers use credit scores, then you should be able to name at least two such employers. But, I'm feeling generous. Name one.

Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342

FROM: Greg Fisher, creditscoring.com
TO: Todd Ossenfort, reader expert, CreditCards.com
CC: Elisabeth DeMarse, CreditCards.com; Ben Woolsey, CreditCards.com; Jeremy Simon, CreditCards.com; Editors, CreditCards.com; Brad Slater, Rapid City Journal; Michael LeFort, Rapid City Journal; Todd Williams, Rapid City Journal; Sandra F. Braunstein, Federal Reserve; Susan Stawick, Federal Reserve; Michelle A. Smith, Federal Reserve; Pierce Nelson, Federal Reserve, Atlanta; Sibyl Slade, Federal Reserve, Atlanta; ConsumerHelp@FederalReserve.gov
DATE: Tuesday, May 11, 2010, 1:14 PM
SUBJECT: RE: credit score, employers, CreditCards.com III, Rapid City Journal II, Believers

New pages like yours appear at the top of internet news searches. They lose rank with time, but add to a growing volume that say that employers use credit scores. Critical mass for your side, the Believers, has been reached, and was even bolstered significantly recently (with equal disregard for substantiation) by the Federal Reserve, as well as by many others.

You did not answer the question. It is about your sources who know that credit scores are used for employment purposes, clarified with a challenge to provide the actual name of only one source. Your response is, essentially, that you got the information from some guys you know. So, perhaps, you could provide some insight another way: By giving the name of a company who provides the tri-merge credit report and score.

Or not: You seem to have knowledge of a Black Hills black market for credit scores, a compelling story. As I pointed out, the link in your article contradicts your claim, and earns CreditCards.com places in both columns, Believers, and Nonbelievers. So, how does it happen? Does the credit report company supply the scores in violation of its contract with TransUnion or one of the other two national consumer reporting agencies? Do the employers buy the scores from the credit report company, or do your employer acquaintances force the employee to purchase the report and score on their own and turn it over to human resources?

It would be easy to just take at face value the claims of an organization with, indeed, the name CreditCards.com (or Federal Reserve). After all, you are the expert. On the other hand, your company's website says that income is a credit score factor. Since it is not, anything you write (or say) is suspect.

Consider the citizens.