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Credit score mystery: The magic words and the magic number

The words: I'm with the media, and I'm on deadline! The number: 687. #n512

| By Greg Fisher

From: [Bob Clinkingbeard]
Sent: Thursday, March 26, 2015 6:53 PM
To: greg@creditscoring.com
Cc: [Bob Clinkingbeard]
Subject: Credit Scores
Importance: High

Mr. Fisher,

Our telephone conversation concluded less than 10 minutes ago and I immediately went back to the find the people who worked on the story. Due to the hour, most of them had left for the day. In reviewing the story with the members of that team who are still here, the numbers posted on this story are from [WITHHELD BY CREDITSCORING.COM] of [WITHHELD BY CREDITSCORING.COM], as is attributed in the posted story.

Please send me the documentation showing his information or our information is incorrect and we will be in a better position to deal with any possible next steps.

Bob Clinkingbeard
Information Center / News Director
Office 336.379.5785
Twitter: @clinkingbeard
[graphic]




From: Greg Fisher [mailto:greg@truthandfalsity.com]
Sent: Friday, March 27, 2015 11:58 AM
To: Bob Clinkingbeard, WFMY-TV, Gannett
Cc: Jeremy Gaines, Gannett; Rick Allen, Mortgage Marvel, DH Corporation; Lyne Fisher, DH Corporation; [WITHHELD BY CREDITSCORING.COM]; Jeff Scott (for Fair Isaac), IQ PR; James Russell, Experian plc; Tim Klein, vice president, Corporate Communications, Public Relations, Equifax; Clifton O'Neal, senior director, Corporate Communications, TransUnion
Subject: RE: Credit Scores, n72064

See this message and your response at http://creditscoring... .

Thank you for calling. As they say (and as I said), I'm with the media, and I'm on deadline! #1day

Your website states: "850 is the absolute *highest* you can score," and "The average credit score in the U-S is 687. Here in North Carolina the average is a little lower at 679."

As I explained, the notion of one national average credit score is a, for lack of a better term, myth. Even for Fair Isaac FICO credit scores used in mortgage lending, there are three models-one from each national consumer reporting agency. Perhaps knowing averages from those would allow the median of the three averages to be designated as The average credit score.

Ah, the secrets! #1411b

A DH Corporation document gives two statics: 687 and 679. An internet search company wants "Feedback." Its response form gives these possible reactions listed with radio buttons

I don't know about you, but I don't think awesome is even a word that is appropriate in this context. True was, unfortunately, not an option. There was, however, a dialogue box for a comment.

But, who has the time?

The email address for Transunion, a consumer reporting agency, worked this week.

What is your clarification policy?

--
Greg Fisher
Truth and Falsity
truthandfalsity.com
Page A2
pagea2.com
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342
skype fisher100
937-681-3224