FROM: Greg Fisher, greg@truthandfalsity.com
TO: Brian Sullivan, FDIC; Kelly Ayotte, governor, New Hampshire; New Hampshire Supreme Court; New Hampshire Insurance
CC: Ariel Clemmer, 603 Legal Aid; Gregory Goodwin, Missouri Attorney General lawyer; Andrew Ferguson, chairman, FTC; Wisconsin Lieutenant Governor Sara Rodriguez; New Hampshire Insurance
DATE: November 2, 2026, 1:32 PM
SUBJECT: you, false

New Hampshire Governor
Concord

To Whom it May Concern:

The last time credit reports cost $9.00 was 2004.

However (I recommend using reader view / reading mode on your page), you published

If I don't know my score, and my score varies from company to company, how will I know if my credit history affects my insurance purchases?

Ask your insurance agent or insurance company. The FCRA requires an insurance company to tell you if they take an "adverse action" because of your credit information. FCRA defines “adverse action” to include denying or canceling coverage, increasing premiums, or changing the terms, coverage, or amount of coverage in a way that harms the consumer. Examples of an “adverse action” include:

Canceling, denying or non-renewing coverage.
Giving the consumer a limited coverage form.
Limiting benefits, such as eligibility for dividends.
Issuing coverage other than that applied for.
Not giving the consumer the best rate.
Not giving the consumer the best discount.
Adding a premium surcharge.

If your insurer takes an adverse action due to your credit history, it must also tell you the name of the national credit bureau that supplied the information. You are also entitled to a free copy of your credit report from the credit bureau that supplied the credit information.

Federal law says you have a right to a free copy of your credit report if you’ve been denied credit or insurance, if you are on welfare, unemployed, or if you are a victim of identity theft. Otherwise, you may have to pay a small fee (the current fee is $9 for each report). Most consumer groups suggest you get a copy of your credit report once a year and review it for errors.

And you fail to include the word week, referring to one of the biggest things that ever happened in consumer reporting.

And there are other things (which are obvious)—but let's see how you do on those two. What control do you have in place? How often do you review that document? #PODC

The acting head of your courts links to 603 Legal Aid who falsely (and certainly inartfully) states, "Credit reports contain information on where you work and live, how you pay your bills and whether you have been sued, arrested, or have ever filed for."

No they don't. Arrests are not in credit reports. That part is not a typo. We lost our way regarding one of the core ideas of the World Wide Web: Linking (hopefully to the best explanation of something). What email address do you have for 603 Legal? #n509 #2609H (2026, September, H for Hampshire #KrakenH3)

As you can see, the arrest thing is deeply entrenched. Perhaps you could help. False information can, indeed, be mitigated. However, human nature, being what it is ...

Right, Messrs. Sullivan and Goodwin? #hangsup #MO #Myth2 #1104F (F for falsity)

Notice the Federal Trade Commission's use of the words file and report. Any civilized kakistocrat knows the difference.

FILE https://web.archive.org/web/20050427055338/http://www.ftc.gov/bcp/conline/pubs/credit/bbcr.pdf/

REPORT https://web.archive.org/web/20050524100951/http://www.ftc.gov/bcp/conline/pubs/credit/bbcr.pdf/

See this email message when published at http://creditscoring.com/game/ .

We can beat Al. All we need is truth. It can work. #falsity #Al

--
Fisher
creditscoring.com
Box 342
Dayton 9, Ohio

ps. Coffee sometime? Noon in my hotel's lobby when I'm in town. While I have 56 stops to make, you're top tier, geographically. #TheGame #DT1373 #NoTrainToTheCapitol #n509 #2609S #DOT #Whistlestop #n500