Some have no credit score

In a commentary for UPI, Morgan Strong wrote

There is another thing far more certain than mere superstition that awaits the  newborn. There is a Social Security number and a credit rating. Beginning with  our squalling breech of the womb, we are marked by this obscenity. This marking,  indelible yet unseen, our credit score, will continue throughout our lives and  in effect compel us to make the choice of the path we are to follow.

That is inaccurate.  Consumer reporting agency files are not recorded and retained on the newborn.  If there is no information on a consumer, then there is no credit score.  According to the state of New York Department of State, Division of Consumer Protection, “The credit agencies do not knowingly keep credit files on minors.”


Employers credit score myth, UPI

From: Greg Fisher
Sent: Tuesday, March 22, 2011
To: United Press International
Subject: credit score, employers, UPI, Baltimore Sun, Tribune Co., 2011-03-20

See this message and your reply at

You wrote, “Maryland lawmakers, hearing about job applicants not hired because of poor credit scores, introduced a measure that would limit credit checks on job-seekers.”

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

What clarification will you make?

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