The Credit Scoring Site A bleak account 

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

| By Greg Fisher

Hello, sysadmin, and #HelloOhio. #sysadmin15

Here is a list of links to some records of the websites of the 12 Federal Reserve Banks in the United States of America-- except for the one in Cleveland.

Two documents exist. Both hosted by the same Federal Reserve bank, they are similar, but one is right, and one is wrong. Today, astoundingly, one of them still states, with no evidence or naming any source, "Credit scores are used in nearly every part of our lives, from applications for car loans, mortgages, credit cards, and car insurance to even some hiring decisions."

Indeed, not only is the sentiment driven home with the intensive adjective even, it is (even) in the first sentence-- as if being used as a premise and a core justification for the report. #ScoreTactics #CreditScares

That attention-getting wind-up to the pitch the author wants you to swing at has been thrown (around) for a decade. It strikes in popular culture, industry, government and media-- small, medium and large.

The problem is that employers do not use credit scores. The three, main, national consumer reporting agencies made statements regarding employers and credit scores in 2008. The date of the original Cleveland Fed document is 2010.

On April 24, 2015, following a phone call and correspondence with, the Federal Reserve Bank of Cleveland created a new document that states, "[Editor’s note: The original version of this paragraph incorrectly included references to the use of credit scores in hiring decisions.]"

The editor (who, apparently, missed the error the first time around), is not named.

And that is not "even" to mention the companion video. See its vestiges at 9:23 in this piece:

While there is no link to the page you are reading now, website Wikipedia links to one that doesn't exist (on See "Easy Wikipedia edits you can make, 2015." It was just updated.

The title of the document(s) hosted on the Fed's website is, "Your Credit Score Is a Ranking, Not a Score."

Don't believe it. While rank-ordering everybody who has one, credit scores, really, are scores. The world has not changed. It's just somebody typing things on a keyboard.

Anybody can do it.


New York*/







St. Louis*/


Kansas City*/


San Francisco*/

Federal Reserve*/

List of the 12 Federal Reserve Banks, districts and links to their websites*/

"What Is the Federal Reserve?" by Andrew T. Hill