PART ONE
The Credit Scoring Site - A bleak account
Who, what, when, where, why and how of credit scores. A counter to falsity in media reports and government documents.

The Credit Scoring Site, creditscoring.com, is written by Greg Fisher.

"'It's just an attempt to draw attention away from the real score,' says Greg Fisher, founder of creditscoring.com and a strident advocate of full disclosure of FICO scores." - Bankrate, 2000

"Check out the web site http://www.creditscoring.com/l... for some interesting reading." - Loretta J. Mester, Federal Reserve Bank of Philadelphia and the University of Pennsylvania

"For additional information about credit scores and credit scoring, see www.creditscoring.com/p... ." - Federal Reserve Bank of Cleveland

"For how widespread this idea is, see this nice post at creditscoring.com." - Columbia Journalism Review

"For the latest (usually critical) commentary about credit scoring and credit reporting, go to www.creditscoring.com and www.creditaccuracy.com." - The Beginner's Guide to Real Estate Investing

"This guy is obscure and has an edge, but he knows his stuff. It's a great website for credit-related research and understanding, especially on controversial credit topics." - Hawkeye Management

"For an entertaining look at exactly how often the media, personal finance experts and government officials get it wrong, here’s an eight-minute video compilation that is well worth the watch." - credit.com, 2013

"'It's a number that's going to make or break people and they can't even get it,' said Greg Fisher, an Ohio resident and author of a popular credit scoring Internet site." - Augusta Chronicle, 1999

"When Greg Fisher, author of The Credit Scoring Site, sought the address for consumers to request their Innovis credit files, [CBC executive Jonathan] Price told him it was: PO Box 219297, Houston, TX, 77218-99297." - Bankrate, 2002

"Watch this video from Creditscoring.com to see how widespread this falsehood is." - Bankrate, 2010

In research

Citron, Danielle Keats, and Frank Pasquale. "The Scored Society: Due Process for Automated Predictions." Washington Law Review 89 (2014): 1-33. Print.

Gale, Dennis E. "Subprime and Predatory Mortgage Refinancing: Information Technology, Credit Scoring, and Vulnerable Borrowers." UC Berkeley: Berkeley Program on Housing and Urban Policy (2001).

G. Mircea, M. Pirtea, M. Neamtu, and S. Bazavan. 2011. Discriminant analysis in a credit scoring model. In Proceedings of the 11th WSEAS international conference on Applied informatics and communications, and Proceedings of the 4th WSEAS International conference on Biomedical electronics and biomedical informatics, and Proceedings of the international conference on Computational engineering in systems applications (AIASABEBI'11), Myriam Lazard, Andris Buikis, S. Yuriy Shmaliy, Roberto Revetria, and Nikos Mastorakis (Eds.). World Scientific and Engineering Academy and Society (WSEAS), Stevens Point, Wisconsin, USA, 257-262.

Nelson, Lisa. "FHA Lending in Ohio." A Look Behind the Numbers. Federal Reserve Bank of Cleveland (2009).

Verstein, Andrew, "Misregulation Of Person To Person Lending" (2012). Lecturer and Other Affiliate Scholarship Series. Paper 8.
http://digitalcommons.law.yale.edu/ylas/8

In books

Aliber, Robert Z.. Your money and your life a lifetime approach to money management. Stanford, Calif.: Stanford Economics and Finance, 2011. Print.

Alvis, Susan Smith. How to become a million dollar real estate agent in your first year: what smart agents need to know explained simply. Ocala, Fla.: Atlantic Pub. Group, 2007. Print.

Clauretie, Terrence M., and G. Stacy Sirmans. Real estate finance: theory & practice. 6th ed. Mason, OH: Cengage Learning, 2010. Print.

Eldred, Gary W.. The 106 common mistakes homebuyers make and how to avoid them. 4th ed. Hoboken, N.J.: John Wiley & Sons, 2006. Print.

Eldred, Gary W.. The beginner's guide to real estate investing. 2nd ed. Hoboken, N.J.: John Wiley & Sons, 2008. Print.

Heer, Robert. Realty bluebook. 33nd ed. Chicago: Real Estate Education Co., 2003. Print.

Hertz, Frederick, and Emily Doskow. A legal guide for lesbian and gay couples. 16th ed. Berkeley, Calif.: Nolo, 2012. Print.

Ihara, Toni Lynne, Ralph E. Warner, and Frederick Hertz. Living together: a legal guide for unmarried couples. 14th ed. Berkeley, Calif.: Nolo, 2008. Print.

Leonard, Robin, and Margaret Reiter. Credit repair. 10th ed. Berkeley, Calif.: Nolo, 2011. Print.

Leonard, Robin, and Margaret Reiter. Solve your money troubles: debt, credit & bankruptcy. 13th ed. Berkeley, Calif.: Nolo, 2011. Print.

Leonard, Robin, and Amy Loftsgordon. Solve your money troubles: strategies to get out of debt and stay that way. 15th ed. Berkeley, Calif.: Nolo, 2015. Print.

Loonin, Deanne, and John Rao. The National Consumer Law Center guide to surviving debt. 2006 ed. Boston, MA: National Consumer Law Center, 2006. Print.

McLean, Andrew James, and Gary W. Eldred. Investing in real estate. 5th ed. Hoboken, N.J.: John Wiley & Sons, 2006. Print.

Keeok Park. Numbers Are Us: Number Sense And Its Effects On Life. 2012. Print.

Schroeder, Robbye, and Scott Schroeder. Managing the marriage purse: the newlyweds' guide to financial mastery. Tucson, Arizona: Wheatmark, 2012. Print.

Ulzheimer, John. The Smart Consumer's Guide to Good Credit How to Earn Good Credit in a Bad Economy.. New York: Constable & Robinson, 2012. Print.

Zopounidis, Constantin. New trends in banking management. New York: Physica-Verlag, 2002. Print.

In other media

"'Resist the temptation to scream and yell and do things that would not look good in court,' says Greg Fisher, a self-described 'new breed of rogue Internet journalist' who runs The Credit Scoring Site and the related creditaccuracy.com." - Bankrate, 2001

Raleigh News & Observer (7/10)
HowStuffWorks
washingtonpost.com
Federal Reserve (alt.)
Chicago Tribune
Christian Science Monitor
Columbus Dispatch
Augusta Chronicle
Bankrate.com*
Bankrate.com
Realty Times
Realty Times
Businessweek
Newsweek
Nolo (alt)
privacyrights.org
Nolo: Credit Repair
Clark Howard, 4/16/03
About.com
MoneyCentral Radio
The Detroit News, 7/17/00
Money Maze Radio
USA Today Hot Site, 9/17/98

* Link redirects to another page. Copy of the original page in 2001 and October, 2013.

History, 1998 –

See Timeline.

The domain creditscoring.com is registered through mid-2017.

Part 2

creditaccuracy.com, Dirty Data, began December 28, 2000. See evidence of credit bureaus hiding information from a consumer after the law required full disclosure.

By the same writer

Page A2 - Media accuracy, errors and corrections

Truth and Falsity

Press releases

Press releases
10 Years
Introduction

Contact

email: Greg Fisher, site author, greg@truthandfalsity.com
Phone: 937-681-3224
Fax: 937-630-3213
Mailing address

P.O. Box 342
Dayton, Ohio 45409-0342

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Updated January 13, 2016