The Credit Scoring Site A bleak account 

About The Credit Scoring Site

The Credit Scoring Site - A bleak account
Who, what, when, where, why and how of credit scores. A counter to falsity in media reports and government documents.

The Credit Scoring Site,, is written by Greg Fisher.

"'It's just an attempt to draw attention away from the real score,' says Greg Fisher, founder of and a strident advocate of full disclosure of FICO scores." - Bankrate, 2000

"Check out the web site for some interesting reading." - Loretta J. Mester, Federal Reserve Bank of Philadelphia and the University of Pennsylvania

"For additional information about credit scores and credit scoring, see ." - Federal Reserve Bank of Cleveland

"For how widespread this idea is, see this nice post at" - Columbia Journalism Review

"For the latest (usually critical) commentary about credit scoring and credit reporting, go to and" - The Beginner's Guide to Real Estate Investing

"This guy is obscure and has an edge, but he knows his stuff. It's a great website for credit-related research and understanding, especially on controversial credit topics." - Hawkeye Management

"For an entertaining look at exactly how often the media, personal finance experts and government officials get it wrong, here’s an eight-minute video compilation that is well worth the watch." -, 2013

"'It's a number that's going to make or break people and they can't even get it,' said Greg Fisher, an Ohio resident and author of a popular credit scoring Internet site." - Augusta Chronicle, 1999

"When Greg Fisher, author of The Credit Scoring Site, sought the address for consumers to request their Innovis credit files, [CBC executive Jonathan] Price told him it was: PO Box 219297, Houston, TX, 77218-99297." - Bankrate, 2002

"Watch this video from to see how widespread this falsehood is." - Bankrate, 2010

In research

Citron, Danielle Keats, and Frank Pasquale. "The Scored Society: Due Process for Automated Predictions." Washington Law Review 89 (2014): 1-33. Print.

Gale, Dennis E. "Subprime and Predatory Mortgage Refinancing: Information Technology, Credit Scoring, and Vulnerable Borrowers." UC Berkeley: Berkeley Program on Housing and Urban Policy (2001).

G. Mircea, M. Pirtea, M. Neamtu, and S. Bazavan. 2011. Discriminant analysis in a credit scoring model. In Proceedings of the 11th WSEAS international conference on Applied informatics and communications, and Proceedings of the 4th WSEAS International conference on Biomedical electronics and biomedical informatics, and Proceedings of the international conference on Computational engineering in systems applications (AIASABEBI'11), Myriam Lazard, Andris Buikis, S. Yuriy Shmaliy, Roberto Revetria, and Nikos Mastorakis (Eds.). World Scientific and Engineering Academy and Society (WSEAS), Stevens Point, Wisconsin, USA, 257-262.

Nelson, Lisa. "FHA Lending in Ohio." A Look Behind the Numbers. Federal Reserve Bank of Cleveland (2009).

Verstein, Andrew, "Misregulation Of Person To Person Lending" (2012). Lecturer and Other Affiliate Scholarship Series. Paper 8.

In books

Aliber, Robert Z.. Your money and your life a lifetime approach to money management. Stanford, Calif.: Stanford Economics and Finance, 2011. Print.

Alvis, Susan Smith. How to become a million dollar real estate agent in your first year: what smart agents need to know explained simply. Ocala, Fla.: Atlantic Pub. Group, 2007. Print.

Clauretie, Terrence M., and G. Stacy Sirmans. Real estate finance: theory & practice. 6th ed. Mason, OH: Cengage Learning, 2010. Print.

Eldred, Gary W.. The 106 common mistakes homebuyers make and how to avoid them. 4th ed. Hoboken, N.J.: John Wiley & Sons, 2006. Print.

Eldred, Gary W.. The beginner's guide to real estate investing. 2nd ed. Hoboken, N.J.: John Wiley & Sons, 2008. Print.

Heer, Robert. Realty bluebook. 33nd ed. Chicago: Real Estate Education Co., 2003. Print.

Hertz, Frederick, and Emily Doskow. A legal guide for lesbian and gay couples. 16th ed. Berkeley, Calif.: Nolo, 2012. Print.

Ihara, Toni Lynne, Ralph E. Warner, and Frederick Hertz. Living together: a legal guide for unmarried couples. 14th ed. Berkeley, Calif.: Nolo, 2008. Print.

Leonard, Robin, and Margaret Reiter. Credit repair. 10th ed. Berkeley, Calif.: Nolo, 2011. Print.

Leonard, Robin, and Margaret Reiter. Solve your money troubles: debt, credit & bankruptcy. 13th ed. Berkeley, Calif.: Nolo, 2011. Print.

Leonard, Robin, and Amy Loftsgordon. Solve your money troubles: strategies to get out of debt and stay that way. 15th ed. Berkeley, Calif.: Nolo, 2015. Print.

Loonin, Deanne, and John Rao. The National Consumer Law Center guide to surviving debt. 2006 ed. Boston, MA: National Consumer Law Center, 2006. Print.

McLean, Andrew James, and Gary W. Eldred. Investing in real estate. 5th ed. Hoboken, N.J.: John Wiley & Sons, 2006. Print.

Keeok Park. Numbers Are Us: Number Sense And Its Effects On Life. 2012. Print.

Schroeder, Robbye, and Scott Schroeder. Managing the marriage purse: the newlyweds' guide to financial mastery. Tucson, Arizona: Wheatmark, 2012. Print.

Ulzheimer, John. The Smart Consumer's Guide to Good Credit How to Earn Good Credit in a Bad Economy.. New York: Constable & Robinson, 2012. Print.

Zopounidis, Constantin. New trends in banking management. New York: Physica-Verlag, 2002. Print.

In other media

"'Resist the temptation to scream and yell and do things that would not look good in court,' says Greg Fisher, a self-described 'new breed of rogue Internet journalist' who runs The Credit Scoring Site and the related" - Bankrate, 2001

Raleigh News & Observer (7/10)
Federal Reserve (alt.)
Chicago Tribune
Christian Science Monitor
Columbus Dispatch
Augusta Chronicle*
Realty Times
Realty Times
Nolo (alt)
Nolo: Credit Repair
Clark Howard, 4/16/03
MoneyCentral Radio
The Detroit News, 7/17/00
Money Maze Radio
USA Today Hot Site, 9/17/98

* Link redirects to another page. Copy of the original page in 2001 and October, 2013.

History, 1998 –

See Timeline.

The domain is registered through mid-2017.

Part 2, Dirty Data, began December 28, 2000. See evidence of credit bureaus hiding information from a consumer after the law required full disclosure.

By the same writer

Page A2 - Media accuracy, errors and corrections

Truth and Falsity

Press releases

Press releases
10 Years


email: Greg Fisher, site author,
Phone: 937-681-3224
Fax: 937-630-3213
Mailing address

P.O. Box 342
Dayton, Ohio 45409-0342

If there are changes to a page to which this domain links, or that page linked to is deleted, renamed, or moved to another directory, a copy of that page may replace it. The copy is dated, and saved as a read-only file by this site's author.

No disclaimers are necessary.

April, 1997: "Information on how to obtain one's credit score is suspiciously absent from your site. How do I get mine?"

"And we're not running a game show. I mean, we're evaluating risk. We're not trying to have people get--achieve the highest score."

"Fisher is a fan of going by the book and then beyond it." (alt)

"He beat the scoring proponents to the punch by scooping up the web address, from which he launches often strident, sometimes wacky, but usually well-documented attacks on the credit-scoring concept and the industries that support it." (alt)

Realty Consumers Empowered By Online "Peoples" Court - "His Web site helped him-- and millions of other consumers-- extend fair credit reporting rights to credit scoring information."

"Fisher operates the Web site, which skewers the secrecy of the credit bureaus and Fair, Isaac." (dead link to is an exceptionally-interesting site that offers news and information regarding credit scoring and-- really-- the entire credit process."

Updated January 13, 2016