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-rotunda

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
creditscoring.com
PO Box 342
Dayton, Ohio  45409-0342

PS No phone calls.

Colorado, Morgan and the credit score zombie myth

The news media seem to repeat anything politicians tell them, including what one expert calls “The Myth of the Decade.”

That was the last decade, by the way.

The credit-scores-are-used-by-employers zombie myth’s life undead existence was reanimated again recently thanks to CBS’s Channel 4 in Denver, the Associated Press, the Denver Post– and the Post and the AP acting together.  The inaccurate information is even back on Wikipedia.

At the Colorado statehouse, the misinformation pushes Senate Bill 3 toward the brink. State senator Morgan Carrol’s bill states, “In spite of these systemic flaws, the nonpartisan public policy research and advocacy organization Demos concluded in its 2011 report ‘Discrediting America‘ that consumer credit scores and credit reports are being used more often and in more contexts than ever before, including by employers, utility companies, and insurers.”

Join the side of the truth, or the zombie myth may never end, Morgan.  Morgan.  Three years.  Three years.

credit score, employers, CBS4 Denver

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Friday, February 10, 2012 9:56 AM
To: Rachel Lulay, CBS, National Amusements
Cc: Gloria Neal, award winning on-air talent, CBS4 Denver, National Amusements; Tim Wieland, news director, CBS4 Denver, National Amusements; Randy Fischer, state representative, Colorado; Randy Fischer, state representative, Colorado; Morgan Carroll, majority caucus chair, state senator, Colorado
Subject: credit score, employers, CBS4 Denver, National Amusements

See this message and your response at http://blog.creditscoring.com/?p=3386.

You broadcast, “I was surprised to learn that a lot of companies already do look at credit scores when hiring.”

Your report is inaccurate.  The national consumer reporting agencies all state that they do not provide credit scores for employment screening.

On what day before the hearing will you broadcast a correction at the same time of day?


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

credit score, employers, CBS MoneyWatch.com

See the video that includes clips of a senator, a congressman, a governor and The Early Show on CBS.

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Thursday, July 14, 2011 8:47 AM
To: Dan Kadlec, contributor, CBS MoneyWatch
Subject: credit score, employers, CBS MoneyWatch.com

See this message and your response at http://blog.creditscoring.com/?p=2258, http://blog.creditscoring.com/?tag=cbs and  http://blog.creditscoring.com/?tag=nationalamusements.

You wrote, “In the real world you’ll want and need a potential employer or landlord or auto dealer who runs a credit check on you to find a good score that testifies to your dependability.”

Who is your source regarding credit score use by employers?


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