PART ONE
The Credit Scoring Site
A bleak account
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PART TWO
creditaccuracy.com
Dirty Data

creditscoring.com
in the media

HowStuffWorks
Clark Howard
Federal Reserve
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Columbus Dispatch
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Bankrate.com
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The Detroit News, July 17, 2000
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USA Today Hot Site, 9/17/98
Influence > Government > Federal Reserve > 2010, U.S. House

NCSL could have misled people about employers using credit scores

National Conference of State Legislatures amended some documents, but not all

Also, see

National Financial Literacy Month, 2011 (video),
Myth: Employers use credit scores
6/3/2010

The notion continues to seep into the national consciousness.

This doesn't help.

From: Greg Fisher
Sent: Thursday, May 06, 2010 9:55 AM
To: Heather Morton, National Conference of State Legislatures
Cc: Don Balfour, president, NCSL; Richard Moore, president elect, NCSL; William T. Pound, executive director, NCSL; Press room, NCSL
Subject: credit score, employers, National Conference of State Legislatures

You wrote: "What number determines the interest rate on a loan, whether a person can rent an apartment and, in some instances, whether an individual will be hired for a job? What number purports to tell financial institutions, credit card companies, car dealerships, employers and mortgage lenders, among others, the credit risk of consumers? This number is a consumer's credit score, and the number is based on an individual's credit report."

Who is your source regarding credit score use by employers?

What evidence indicates employers use credit scores?

What is the name of an employer who uses credit scores?

Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342


From: Greg Fisher
Sent: Thursday, May 20, 2010 11:25 PM
To: Heather Morton, National Conference of State Legislatures
Subject: RE: credit score, employers, National Conference of State Legislatures II

Please reply.



From: Greg Fisher
Sent: Monday, May 24, 2010 10:02 AM
To: Don Balfour, president, NCSL
Cc: Heather Morton, National Conference of State Legislatures; Heather Morton, National Conference of State Legislatures [alt. address]
Subject: RE: credit score, employers, National Conference of State Legislatures III

Please reply.



From: Greg Fisher
Sent: Tuesday, May 25, 2010 9:54 AM
To: Don Balfour, president, NCSL; William T. Pound, executive director, NCSL
Cc: Heather Morton, National Conference of State Legislatures; Heather Morton, National Conference of State Legislatures [alt. address]
Subject: RE: credit score, employers, National Conference of State Legislatures IV

Please reply.



From: Greg Fisher
Sent: Thursday, May 27, 2010 2:50 PM
To: Don Balfour, president, NCSL; William T. Pound, executive director, NCSL; Richard Moore, president elect, NCSL
Cc: Heather Morton, National Conference of State Legislatures; Heather Morton, National Conference of State Legislatures [alt. address]
Subject: RE: credit score, employers, National Conference of State Legislatures V

Please reply.

NCSL changes the subject line.

From: Meagan Dorsch
Sent: Friday, May 28, 2010 1:56 PM
To: Greg Fisher
Subject: NCSL Data

Mr. Fisher

I apologize that we have had a some type of miscommunication.

I saw your email to NCSL's press-room a few weeks ago and responded at that time. I am sending this email from my personal account to see if it will go through. Please make sure that your email provider is not blocking NCSL.

I'm a little confused with the questions you are asking in your email. The only place that I can find the paragraph you quoted is in an email NCSL sent out. I did not see it in the information posted on NCSL's website.

Please let me know and we can move forward with addressing your concerns. I will be your contact from here on our at NCSL. Please feel free to contact me directly.

Thanks,

Meagan Dorsch
Media Manager
National Conference of State Legislatures (NCSL)
7700 East First Place
Denver, CO 80230
Phone: 303-xxx-xxxx
Fax: 303-xxx-xxxx
xxxx@ncsl.org



Follow NCSL on

creditscoring.com restores the subject line.

From: Greg Fisher
Sent: Friday, May 28, 2010 1:23 PM
To: Meagan Dorsch, media manager, NCSL
Subject: RE: credit score, employers, National Conference of State Legislatures VI

Your website states: "What number determines the interest rate on a loan, whether a person can rent an apartment and, in some instances, whether an individual will be hired for a job? What number purports to tell financial institutions, credit card companies, car dealerships, employers and mortgage lenders, among others, the credit risk of consumers? This number is a consumer's credit score, and the number is based on an individual's credit report."

The URL is http://www.ncsl.org/default.aspx?tabid=12517, which is in the May 6 [and 4 subsequent] email with that exact quote from your website. That page containing that passage refers to a July 2006 NCSL report titled "CONSUMER REPORTING - A Primer for Policymakers."

The report, itself, contains the same text, verbatim.

The NCSL bookstore states: "A consumer's credit score, based on his or her credit report, can have a great deal of power. It can determine the interest rate on a loan, whether a person can rent an apartment and, in some cases, whether an individual will be hired for a job."

Your Communications, Financial Services and Interstate Commerce Committee Agenda from the 2009 NCSL Fall Forum states: "What do a mortgage lender, landlord, insurer, credit card company and an employer have in common? They all have access to and may use your credit report and credit score."

Who is your source regarding credit score use by employers?

What evidence indicates employers use credit scores?

What is the name of an employer who uses credit scores? Who is your source regarding credit score use by employers?

What did the email you sent out say?

NCSL changes the subject line.

From: Meagan Dorsch
Sent: Friday, May 28, 2010 4:25 PM
To: Greg Fisher
Subject: NCSL

Thank you Mr. Fisher for providing those examples for me.

We have corrected some of the wording used on our website.

Take care and please contact me with any further questions.

Meagan Dorsch
NCSL Media Manager
303-xxx-xxxx

Near deity, NCSL can change history. The agenda of a 2009 event changed in 2010. It's like it the credit score thing never happened!

creditscoring.com restores the subject line.

From: Greg Fisher
Sent: Tuesday, June 01, 2010 10:53 PM
To: Meagan Dorsch
Cc: Don Balfour, president, NCSL; William T. Pound, executive director, NCSL; Richard Moore, president elect, NCSL; Heather Morton, National Conference of State Legislatures; Heather Morton, National Conference of State Legislatures (alt. address); Press room, NCSL; Melvin Neufeld, vice president, NCSL; Joe Hackney, immediate past president, NCSL; Nancy Cyr, staff chair, NCSL; Tim Rice, staff vice chair, NCSL; Gary R. VanLandingham, immediate past staff chair, NCSL
Subject: RE: credit score, employers, National Conference of State Legislatures VII

I have no further questions. I'll just stick with the original four, none of which you have answered.

The report by Heather Morton still says the same thing, and you have provided no substantiation.

In Maryland, they didn't buy the hype. But, look how the issue was sold in Oregon.



From: Meagan Dorsch
Sent: Wednesday, June 02, 2010 12:19 PM
To: Greg Fisher
Subject: RE: credit score, employers, National Conference of State Legislatures VII

Mr. Fisher

As I mentioned in my previous email, I will be your contact at NCSL.

There were a few promotional paragraphs on our website that we acknowledged could have mislead[SIC] people to believe that credit scores are used by employers. We changed that wording last week. Similar wording to what was used on our website was included only in the introduction of a 2006 report, but not in the body of the report.

Therefore, we do not have any further comment to any of your questions. NCSL is not an advocacy group and has not taken a position on the use of credit information in employment.

I will consider your questions answered and this matter closed.

Meagan Dorsch
NCSL Media Manager

The NCSL media manager is wrong; the questions are not answered, and the matter is open.

The enablers:

From: Greg Fisher
Sent: Wednesday, June 02, 2010 2:00 PM
To: Don Balfour, president, NCSL Foundation for State Legislatures; Media Relations, AARP; Sarah Meron, American Express [click on DID YOU KNOW? tab]; Chris Stinebert, American Financial Services Association; Nina Das, Citicorp; Steven Schlein, Community Financial Services Association of America ; Media Relations, Mortgage Bankers Association; VISA
Cc: Meagan Dorsch, National Conference of State Legislatures
Subject: RE: credit score, employers, National Conference of State Legislatures VIII

The National Conference of State Legislatures published and continues to make available for purchase a report that NCSL has failed to substantiate, and that contains a statement that NCSL claims "could have mislead[SIC] people."

On page 13 of its report "CONSUMER REPORTING - A Primer for Policymakers," the National Conference of State Legislatures states, "For their generous support of this project, NCSL gratefully acknowledges the NCSL Foundation for State Legislatures, AARP, American Express, American Financial Services Association, Citigroup, Community Financial Services Association of America, the Mortgage Bankers Association, and Visa."

How much money did you give to NCSL for the project? How much did you provide to the organization in 2009?



NCSL calls itself "The Forum for America's Ideas."



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Do employers use credit scores?

Don't believe it.


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."

"'Garbage in, garbage out,' says Greg Fisher of Dayton, Ohio, who runs two Web sites on the subject, creditscoring.com and creditaccuracy.com."