PART ONE

The Credit Scoring Site

A bleak account

Credit score information – Truth, and what is false. Who, what, when, where, why and how of credit scores.

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The trustees of the public's airwaves
False information on a Channel 8, WTNH, New Haven broadcast and a request for a statement to counteract the falsity. #1507r 7/26/15

Man's work. Proposed progrexion delay.
Myth 11. Utahns and New Yorkers fail to provide names of lenders and collectors who lie to credit bureaus.

Credit report goodwill adjustment request, New York and Utah
Myth 11 lives on on a government website. Freedom of information in New York. #1504N 7/20/15

creditscoring.com forces Northwestern Mutual to correct itself
Financial conglomerate Northwestern Mutual spreads Myth 11 with preposterous statement about having accurate information kept off credit reports. 7/17/15

Fair Isaac Corporation said so
Utilization ratio: What's so special about 50 percent? 7/10/15

CFSI's false information about credit scores and employers
Myth 2 (false belief that employers use credit scores) touches mainstream media, think tanks and the Federal Reserve. What happened next. #1507a 7/5/15

Fax to GreenPath about credit scores and employers
Michigan non-profit organization and National Foundation for Credit Counseling (NFCC) member is a source of false information regarding credit scores #1506s 7/2/15

No clarification by Newsday on credit scores and employers
6 years ago, a media organization published Myth 2 (the false notion that employers use credit scores). What happened next. #1506l 6/19/15

Credit score #myth4: Comcast - Reporters with internet
What's so special about a 25 percent (or 30 percent) so-called credit utilization ratio, VantageScore? #1506e 6/15/15

#Myth4: Chicago Tribune and Consumer Federation of America
What's so special about a 25 percent so-called credit utilization ratio? Or: I know you are, but what am I? #1506a 6/6/15

CFP Board furthers employers credit score myth
K Street trade association repeats Credit Score #Myth2; mails letter to operator of creditscoring.com. Confusion.

Is a credit report required to buy a house? #myth14
Fannie Mae, FHA (HUD) and OCC (Treasury) documents indicate non-traditional mortgage credit reports are acceptable.

Federal Reserve Bank of Cleveland makes a correction
List of links to a record of websites of the banks of the 12 Federal Reserve Districts, including www.clevelandfed.org. #sysadmin15 4/28/15

Credit score Myth 12: An 850 in mortgage lending
The highest credit score in mortgage lending is not 850, so striving for that number is a fool's errand. #myth12 4/24/15

State of Maine's response about credit scores and inquiries
Bureau of Consumer Credit Protection responds to enqiry about credit report inquiries and whether no corresponding credit extension affects credit scores #1504M #DotGov 4/16/15

Easy Wikipedia edits you can make, 2015
Go to Wikipedia now and make these simple edits. You could leave it as it is, but being bold has never been easier! #EasyEdit 3/13/15

Federal Reserve Bank of St. Louis credit score video review
Interaction with a central bank. A look inside the regional bank of the Eighth Federal Reserve District in the U.S.

The Christian Science Monitor and two credit score utilization ratio experts
#Myth4: Alive, well, and bicoastal, in Massachusetts, Florida and certainly, California

Inquiries effect on credit scores, state of Maine #n523
Message to Bureau of Consumer Credit Protection superintendent #DotGov

Credit score utilization ratio, state of Nevada #n536
#HelloNevada! HelloIllinois! Let us in on the secret to the credit utilization ratio. #DotGov

Credit score gibberish, state of New York #n511
#HelloNewYork! Revamp for the Department of Financial Services. Copy-and-paste. Easy-breezy. #DotGov

Myth 10: The national average credit score With multiple credit bureaus and credit score models, everybody has their own idea. So let's ask them. #myth10 3/30/15

Interdepartmental communication, New Hampshire #n509
#HelloNewHampshire! Here is a message from the governor's press secretary. #DotGov

Credit score mystery: The magic words and the magic number
Words: I'm with the media, and I'm on deadline! Number: 687. #n512. 3/27/15

n539 - Bank name on state of North Dakota website disappears
Information changes following creditscoring.com writer's contact with governor's office and Bremer Bank. 3/26/15

The efficacy of telephone calls with the Associated Press
Put it in writing. Get it in writing. Telephone calls were a waste of time. 3/20/15. More

Credit score averages stated by credit bureaus
U.S. national average credit scores based on different score versions. 2/11/15.

More

Highlights

Credit scores summary, 2014
Substantiated and documented essential information about credit scores, in general. An at-a-glance alternative to Wikipedia.

Credit score myths
Some real lulus. Myths, urban legends, misinformation and other falsity and nonsense about credit scores. Evidence and debunking. A growing list. (Also: See the directory)

Employment credit reports do not include credit scores
Essential information about #Myth2. Still a problem 7 years later. 2008 (updated 2014).

Credit score distribution and practical ranges statistics
Industry illustrates FICO credit score breakdown and useable ranges of the distribution

FOUL: FICO (Fair Isaac) false figure
The big credit score company, itself, joins the uninformed, and throws around the 30 percent misinformation. 4/15/15

What is a credit score?
Definitions of the term credit score

(Also, on creditaccuracy.com - PART TWO)
The FCRA, and despicable, un-American liars
A message to and request for response from a state in the United States of America #n511

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