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How to get your credit reports
Fair Isaac: "The Median FICO Score in the U.S. is 723."
Inquiries and shopping periods according to Equifax
How credit checks within a particular time period affect the score
Equifax says:
Equifax Public Relations makes every effort to get back to reporters on the same day he or she calls and to arrange interviews that accommodate deadlines.
Equifax can be both a source and a resource for reporters seeking information in the following areas of expertise:
Information solutions
Credit Scoring
Consumer credit information
Credit marketing
Predictive behavioral modeling
Date: 06:37 AM, Friday, 6/13/2008
To: Jennifer Costello, Equifax; Barry Paperno, Fair Isaac
From: creditscoring.com
Subject: FICO score version on your web site
Cc: David Rubinger, Equifax; Craig Watts, Fair Isaac
Fair Isaac states: "In addition, the score looks on your credit report for auto or mortgage inquiries older than 30 days. If it finds some, it counts all those inquiries that fall in a typical shopping period as just one inquiry when determining your score. For FICO scores calculated from older versions of the scoring formula, this shopping period is any 14 day span. For FICO scores calculated from the newest versions of the scoring formula, this shopping period is any 45 day span."
http://www.myfico.com/CreditEducation/CreditInquiries.aspx
What version is provided at myFICO.com?
Equifax states, "But note that multiple inquiries within a two-week period are treated as a single inquiry."
https://www.econsumer.equifax.com/otc...
What version is provided at Equifax.com?
Date: 01:11 PM, Saturday, 6/14/2008
To: Jennifer Costello, Equifax; Barry Paperno, Fair Isaac
From: creditscoring.com
Subject: Re: FICO score version on your web site, II
Cc: David Rubinger, Equifax; Craig Watts, Fair Isaac
Please reply.
Other items on this site about Inquiries
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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."
"He beat the scoring proponents to the punch by scooping up the web address http://www.creditscoring.com, from which he launches often strident, sometimes wacky, but usually well-documented attacks on the credit-scoring concept and the industries that support it."
Realty Consumers Empowered By Online "Peoples" Court - "His Web site CreditScoring.com helped him-- and millions of other consumers-- extend fair credit reporting rights to credit scoring information."
"Fisher operates the www.creditscoring.com Web site, which skewers the secrecy of the credit bureaus and Fair, Isaac." - The Detroit News
CreditScoring.com is an exceptionally-interesting site that offers news and information regarding credit scoring and--
really-- the entire credit process."
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