The Credit Scoring Site A bleak account 

May interaction

23. Unnamed financial experts and their advice on credit scores
They recommend 30% so-called credit utilization ratios, and many mention those personal finance experts. But, who are they?

25. Clark, a Play in Three Acts
Act I: Contact - Book author replies, comedy ensues.

30. Date of the first version of a credit score
With the byline ''By PYMNTS,'' somebody states a year of a seminal event.