PART ONE The Credit Scoring Site A bleak account

PART TWO creditaccuracy.com Dirty Data

Web     creditscoring.com     creditaccuracy.com

Home Numbers Range Scale Distribution What's Average Secret average What's Average Trend Utterances FICO: Mid 600s FHA trend What's Good Factors Reason codes Ratio myth Ratio advice Consumer finance company Factors Blog Video Wikipedia Groundhog Day '12 Groundhog Day '11 654-day error 4-year error Wikipedia Average - Press release Influence Government Index CFPB Presidents Day US Treasury Warning Believers H.R.3149 Washington AG Congressman Congressman, employers Media Reuters SF Chronicle AP Blogger meme Dallas CBS Lying Search Engines USA TODAY's source USA TODAY's source II Dallas Morning News U.S. News & World Report Industry TransUnion, zendough VantageScore, employers Equifax, employers FICO: <640=Subprime TransUnion survey Consumer Advocates U.S. PIRG Consumers Union Litigation VantageScore News Index 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 Holidays Groundhog Day '12 Groundhog Day '11 Valentines Day Presidents Day St. Patrick's Day National Financial Literacy Month Canada Day Scores Overview FICO Score The FICO Score Reason codes FICO Versions FICO 08 Credit Utilization Ratio Advice Authorized User Authorized User Appendix What's a credit score? What's a credit rating? Credit Checks Inquiries Shopping Periods Explanations Myths Laws Improve It Index Secured Credit Cards Get Credit Score Get Credit Score Free Credit Score Free Credit Score II Get Credit Report Fake-O FICO Equifax Magic 850 Two and Two Index Media: Scores fall Media: Scores fall II Average missing Dangerous CreditReport.com U.S. Bank Employers and scores Blogger meme Reuters & FICO Video: Myth Video: Media Bureaus deny DoD agency Oregon Believers Fed, 2009 Fed, 2010 Congress H.R.3149 H.R.4173 Congress II USA Today's source U.S. PIRG McClatchy's source U.S. Treasury FICO TransUnion botched survey Training TransUnion Equifax: Employer can know Training Equifax Equifax advertisers Experian: Employers use scores Training Experian VantageScore Forum of Fargo LA Times Letters Index TransUnion Experian Equifax Mortgage Mortgage FHA Fannie Mae Insurance Other Scores Other Scores VantageScore Lawsuit Big Meeting Index Transcript Miscellaneous Actual Use Credit Bureaus See FICO Score Major Players Contest Who Calculates The Search Regulation The Press Detractors PR Publications Comments Fair Isaac survey Money Trail Announcements Rhubarb Other Topics Press Releases Timeline Glossary Privacy Policy Index PART TWO creditaccuracy.com Dirty Data creditscoring.com in the media Clark Howard USA Today Newsweek Chicago Tribune The Christian Science Monitor HowStuffWorks Federal Reserve Credit Repair The Detroit News The Columbus Dispatch The Augusta Chronicle Bankrate.com Bankrate.com Realty Times Nolo About.com MoneyCentral Radio Realty Times Money Maze Radio

The Publications This sub-heading used to say: (refrain) You don't get to know your score. But that all changed. Fair Isaac's booklet (brochure, really) page: Credit Scoring Booklets. In a funny Freudian slip from the new Fair Isaac reborn as a sales organization, the html file name is "brochures.aspx." Direct link to Understanding Yoiur Credit Score (Fair Isaac)(pdf) Direct links to Your Credit Scores, The Consumer Federation of America and Fair Isaac (also, see "Millions of Americans Jeopardized by Inaccurate Credit Scoress," [sic] from the CFA) Know Your Score: Think Your Grade Point Average is Your Only Score That Matters? Some old ones from the Dark Days: Bound for Good Credit: Credit Scoring, FTC An excerpt: "... However, creditors are allowed to use age in properly designed scoring systems. But any scoring system that includes age must give equal treatment to elderly applicants..." Whatever. Credit Scoring, FTC Fannie Mae - What Are Credit Scoring and Automated Underwriting?. Watercolors. Freddie Mac - Credit Scores: A Win/Win/Win Approach for Homebuyers, Lenders and Investors Baseball.

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