From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Friday, August 02, 2013 3:43 PM
To: Anthony Alexander Sprauve, US Consumer / FICO Score Public Relations, Fair Isaac
Cc: Sheryl Harris, consumer columnist, Cleveland Plain Dealer
Subject: credit score, FICO, Reason code 04

The Cleveland Plain Dealer reports, “As for credit accounts you don’t use, Jeff Richardson of VantageScore and [Anthony] Sprauve of FICO say their respective scoring formulas currently do not penalize people for having ‘too many’ cards.”

If that is the case, then what causes FICO Score Reason code 04 (“Too many bank/national revolving accounts“) to appear?

Last century, I spent a long time on that.

--
Greg Fisher
The Credit Scoring Site
creditscoring.com
Page A2
pagea2.com
PO Box 342
Dayton, Ohio 45409-0342

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Friday, August 02, 2013 4:58 PM
To: Sheryl Harris, consumer columnist, Cleveland Plain Dealer
Subject: RE: credit score, FICO, Reason code 04, employers

Thank you for talking.

A video, formerly on Fair Isaac’s website, that states that employers use credit scores (the link should start at that part (:45)): http://www.youtube.com/watch?v=IM46EG4YT9g&feature=share&list=UUgn3a9Cdyv4D7IClBiGbFEA#t=45s

You can also see it here: http://blog.credit.com/2013/07/employer-credit-check-score/

The owner of the Cleveland pro basketball team has some problems.

Experian, still says it, too.

--
Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342
937-681-3224

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Wednesday, August 07, 2013 7:48 AM
To: Anthony Alexander Sprauve, US Consumer / FICO Score Public Relations, Fair Isaac
Cc: Sheryl Harris, consumer columnist, Cleveland Plain Dealer
Subject: RE: credit score, FICO, Reason code 04 II

See creditscoring.com/myths/fair-isaac/exclusive.html.

You claim, "Many different websites sell credit scores to consumers, but only myFICO.com is the source for direct consumer access to FICO scores."

However, Equifax sells online access to FICO credit scores on its website, and the New York Times refers to information from you as "fuzzy."

In regard to one issue in particular (one that I have followed closely for the past 5 years), I wouldn’t use fuzzy so much as false. But, I’m from the Midwest. Let’s make that flat-out false (because that thing is not getting enough attention). So, there!

I don't trust the lot of you (including the Times, who publishes false information), but I’ll ask anyway: What is the meaning of this?

--
Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342
937-681-3224