Helping, teachers

See the story on about certified public accountants and Texas A&M University.

The CalCPA Institute, California California Jump$tart Coalition and the California Council on Economic Education state that your credit report contains a credit score.

However, Experian states, “Credit scores are not included in your credit report.”

The institute, coalition and council also claim, “Average credit is 630-700.”

However, the last time Fair Isaac mentioned the average credit score, it was 723. Now, it is a secret.

See the social media message at

Open letter to Murdoch: 5-year credit score nightmare

Further investigation into the efficacy of a social media message

From: Greg Fisher []
Sent: Wednesday, August 07, 2013 7:37 AM
To: Rupert Murdoch, chairman and CEO, News Corporation (via Julie Henderson)
Cc: Andrew Housser, co-founder & CEO,; Michael Lewis, VP/general manager, KTBC FOX 7, Austin, News Corporation; Danielle Douglas, reporter, Washington Post
Subject: credit score, employers, KTBC-TV, Austin, Fox Television Stations, Inc., News Corporation

An open letter to Rupert Murdoch

Rupert Murdoch
News Corporation

Dear Mr. Murdoch:

You published, “A poor credit score can haunt you throughout adulthood, affecting your ability to rent an apartment, finance a car, buy a home or even land your dream job.”

This thing is not a dream; it is a 5-year nightmare.  As I already told you, employers do not use credit scores.  The myth [is] now out of control and has begun having serious consequences.  Send a memo about this to all points of your empire, now.

Please, make it stop.  I’ll talk to you through social media.

Are these messages about the truth getting through to you?  Haven’t you even noticed the big stink?  Are you there, sir?

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

Dan Gilbert, Fathead

From: Greg Fisher []
Sent: Thursday, August 01, 2013 10:45 AM
To: David Quilty, senior editor, Quizzle LLC
Cc: Dan Gilbert, Fathead
Subject: Your horrible, recurring errors

You don’t have to say it—I know: I’m overplaying my hand.  But I’m going to make another prediction because you are being Cavalier.

Your website states, “Now when prospective employers vet job candidates, there are two things they’ll likely check on to see if you’d be a responsible employee: 1) your references, and 2) your credit score.”

(I won’t say that you should have used the Comic Sans font because this is not funny.)

That claim is not true.  In fact, it is, flat-out, false.  Look at the correction Dan Gilbert made earlier this year after I only mentioned an error on  The problem with that childish disappearing act is the URL:


This time, let’s try something different.

You say that you want guest posts.  Now, I don’t participate in that nonsense because it only seems like a disingenuous effort—one to juice-up search rankings for the guest and the host (I think they call it “link spam”).  But because this is an Ohio thing, I’m going to make an exception to my own high-minded principles.

Here is my first post:

Employers do not use credit scores.  I looked into it.

Greg Fisher, citizen

Bio: Greg Fisher is a citizen.

Your guidelines say that the post must have not been published on another website, so you will have to make an exception.  But this is an extraordinary circumstance: 1) it involves your credibility, 2) it has serious consequences, and 3) I’m right and you’re wrong.  Perhaps the shock of having to admit your failure by publishing that junk will stop you pipsqueaks from spreading the most persistent falsity about credit scores again.

I’m shooting 100% on predictions, and I’m making another one, Sports Fans.  I predict that you will make another correction.

I may be wrong, but I doubt it.

Greg Fisher
The Credit Scoring Site
Page A2
PO Box 342
Dayton, Ohio  45409-0342


What lies beneath

A further test of the efficacy of a social media message

Our house is on fire.” – Scott Pelly, anchor and managing editor, CBS Evening News

Sumner Redstone
KYW-TV, FCC License File Number: BLCDT-20090326ABH
CBS Broadcasting Inc.
National Amusements
Norwood, Massachusetts

You continue to misinform citizens, and I am not going to tolerate it.  Stop it today.

Beneath your website page, in the HTML (hypertext markup language) source code, you state:

<metaproperty=”og:description”content=”Whether you’re hoping to buy a new home, a new car or even find a new job – you’d better be sure your credit score is in good shape, it’s being used in more ways than you might think. “/>

So, when you replied, linking your social media message to that page, the unintended consequence was that you kept reporting false information.  The portion of your website that appears in the message summary is the (factually inaccurate) HTML metadata description above.

In your video report (in which the syndicated error and zombie myth lives on), your anchor said, “Whether you’re hoping to buy a new home, a new car or even find a new job – you’d better be sure that your credit score is in good shape.”

Employers do not use credit scores, and you should know it.  If you don’t know it, then you are out of control.

Who wrote the word job in that sentence?  I asked your reporter, “.@jimdonovancbs3 @CBSPhilly, who told you that?” and he did not answer the question. The same report in Rhode Island is no coincidence.  The error has serious consequences for Pennsylvanians.

Pennsylvania Capitol Rotunda

And, what is this business about 30 percent?  Who said that that is “ideally” the right number to be under?

I didn’t write the book about credit scores; I wrote the website.

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

PS No phone calls.

Prediction: Dan Gilbert will make a correction.

Dan Gilbert will make a correction.  That is a prediciton that you can believe, sports fans.  Here’s why.

Gilbert is famous.  He’s a mortgage company, NBA basketball and casino squillionaire.  He is also infamous for a certain prediction about his basketball team.  And, unfortunately, his website,, states, inaccurately, “Employers are Checking Credit Scores – Are You Ready?”

Employers do not use credit scores.  The credit bureaus state that they do not provide scores for employment purposes.

So, there are three things that @cavsdan can do:

  1. Name at least two employers who use credit scores, exposing them, so that the credit bureaus take serious action, and thus solving one of the greatest mass-media mysteries of the past decade: Just who these mystery employers are.  There are none, of course, so he is not going to do that.
  2. Sell his company before the pressure to make the correction is too great to ignore.
  3. Take his lumps and make a correction to the statement.

Follow the message to Dan Gilbert requesting the truth.