Credit Scores: 01/07/1999

[THIS IS A NON-WORKING COPY OF THE SURVEY FOR INFORMATION PURPOSES ONLY. Editor, The Credit Scoring Site]

Thank you for participating in our survey. The following questions will assist us in developing and improving the communication and educational programs that Fair, Isaac offers. Please take a few minutes to complete this survey. Your responses will be kept strictly confidential and will only be used in aggregate with other respondents.

*** If you need to review the credit scoring information on the Fair, Isaac web site before answering any of the following questions, keep this browser open and return upon completing the review.

In exchange for your feedback we will contribute $2.00 to the charity of your choice, which you will be able to pick at the bottom of this survey.

1. The primary reason I am visiting Fair, Isaac's web site is:

     To get information about credit bureau scores of credit scoring
     To obtain information on software and consulting services
     To seek employment opportunities
     To help make an investment decision regarding company stock
     Other (Please specify)

2. As part of the loan application process, or for your own information, have you seen your credit report in the last two years?

Yes
No (Please skip to Question #4)

3. How did you access your credit report?

     My mortgage broker furnished my credit report
     My bank loan officer furnished my credit report
     I contacted one of the credit bureaus directly to request my credit report
     I acquired my credit report through a consumer credit reporting service
     Other (Please specify)

4. How did you first learn about credit scoring?

     Through a loan officer/mortgage broker
     Through an auto dealer
     Through friend or relative
     Through the newspaper/magazine article
     Through the television/radio report
     Through the Fair, Isaac web site
     Through another Internet web site
     Other (Please specify)

5. How would you describe your knowledge of credit scoring?

6. Please read the following series of statements. For each statement, please tell us if you agree, disagree or don't know.

a. My credit bureau report is a reasonably accurate representation of my credit history.

b. A scoring model and a human underwriter are likely to arrive at the same lending decision when evaluating a borrower's credit report.

c. A consumer can quickly and easily improve his or her credit score.

7. How interested would you be in knowing your own credit score? Please use a scale of 1 to 5, with 1 being not interested and 5 being highly interested.

Not Interested 1 2 3 4 5 Highly Interested

8. Please rank the following items in terms of their importance in satisfying your need to know more about credit bureau scoring. Use a scale of 1 to 5, with 1 being the most important and 5 being the least important.
(Assign a unique number to each item, where 1 is your first choice and 5 is your last.)

      The number of points assigned to each item on your credit report
      The types of credit information that have the greatest negative impact on your credit score
      The best practices for maintaining good credit and achieving a high credit score
      The process used in developing the Fair, Isaac score or the FICO score
      Your FICO score

9. Please indicate if you agree or disagree with the following statements. Do you think credit scoring:

a. Helps banks more than it helps consumers?

Agree
Disagree

b. Hurts consumers by using computers to make decisions instead of humans?

Agree
Disagree

c. Helps consumer by providing access to credit faster?

Agree
Disagree

d. Helps consumers by removing bias and giving credit to those who are creditworthy?

Agree
Disagree

e. Is an invasion of privacy?

Agree
Disagree

10. How effective was the information on Fair, Isaac's Credit Scoring web page in answering your specific questions about credit scores or credit scoring. Please use a scale of 1 to 5, with 1 being ineffective and 5 being most effective.

Ineffective 1 2 3 4 5 Most Effective

11. If the information on Fair Isaac's web page has not answered your questions about credit scoring, please tell us what specific information would you like to know about credit scores or credit scoring.
(Maximum 2000 characters)

Lastly, we would appreciate some information about you.

12. What is your age?

13. Are you currently employed in the banking or financial services industry?

YesNo

14. Do you currently own or rent your home?

Rent
Own

15. I wanted to know more about credit scoring because:
(Check all that apply)

     I am planning to buy a house
     I have been recently turned down for credit
     I read an article about credit scoring or Fair, Isaac
     I would like to improve my credit score
     General interest regarding Fair, Isaac products
     Other (Please specify)

Thank you very much for completing this survey. We greatly appreciate your time and effort in providing us with very useful information.

Please choose the charity to which you would like us to make a $2.00 contribution.