Author: Greg Fisher

credit score, employers, Minnesota Attorney General

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Wednesday, April 04, 2012 12:50 AM
To: Lori Swanson, attorney general, State of Minnesota; Lori Swanson, attorney general, State of Minnesota (alt email address); Lori Swanson, attorney general, State of Minnesota (2nd alt email address)
Subject: credit score, employers, Minnesota Attorney General

See this message and your response at https://blog.creditscoring.com/?tag=minnesota-attorney-general.

You wrote: “Credit scores are used by credit card companies, auto lenders, landlords, and home mortgage lenders to predict the likelihood that a consumer will pay their bills. They are also used by insurance companies to decide how much to charge people for homeowners and automobile insurance and by some employers.”

In the same document, you also wrote: “Credit scores are not only used by lenders. Landlords, employers, utility companies and insurance companies also use a variation of the credit score in determining whether to rent an apartment, give a job, underwrite an insurance policy, or hook up electricity.”

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

What indicates that employers use credit scores?

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

Wall Street Journal accuracy, errors and corrections


When a member of the UK parliament asked News Corporation chairman Rupert Murdoch if he was ultimately responsible for a fiasco, Murdoch replied, “Nope.” (37:36)


(Source – BBC News / bbc.co.uk – © 2011-2012 BBC)

[alternate video (43:11)]

After contact with creditscoring.com, Murdoch made corrections of documents on two of his websites.

However, a syndication of the same article by Yahoo! remains uncorrected.

Daily adjustments


From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Wednesday, March 28, 2012 11:28 AM
To: Donald E. Graham, chairman, Washington Post Company; Patrick B. Pexton, ombudsman, Washington Post
Cc: Cory Haik, digital journalist, Washington Post
Subject: RE: credit score, employers, Washington Post II

Please reply.

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

[previous message]

 

Washington Post; Have you met Don Graham?


From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Sunday, March 25, 2012 10:53 AM
To: Jon DeNunzio, blogger, Washington Post
Cc: Patrick B. Pexton, ombudsman, Washington Post; Donald E. Graham, chairman, Washington Post Company; Ylan Q. Mui, reporter, Washington Post
Subject: Washington Post, who is your source?

Have you ever met Donald E. Graham?

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

[previous email]

 

Contacting Oprah Winfrey, personal finance


The questions are all the same. Answers vary.

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Tuesday, March 27, 2012 10:11 AM
To: Oprah Winfrey, Harpo Productions (via Bernard Gugar)
Subject: credit score, employers, Oprah Winfrey

See this message and your reply at https://blog.creditscoring.com/?cat=293 and https://blog.creditscoring.com/?tag=oprah-winfrey.

Your website states:

Last year, 25 billion credit decisions were made based on FICO scores alone. These weren’t just decisions about whether you’d be approved for a new credit card but… Whether an employer will hire you… In other words, your score is a really powerful piece of information.

I visited your office earlier this month, but was unable to see anyone about that statement.

Despite unfortunate conflicting information, employers do not use credit scores.

What indicates that employers base hiring decisions on credit scores?

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

 

Who told you that?

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Friday, March 23, 2012 2:34 PM
To: K. James Yager, CEO, director, Barrington Broadcasting Group, LLC
Cc: Walter D. Bristol, chairman, Consumer Reports, Consumers Union; Amanda Walker, Consumer Reports senior project editor, Consumers Union; Communications, Consumers Union; James A. Guest, president, CEO, consumer Reports, Consumers Union
Subject: Whistle-Stop, Consumers Union, Barrington Broadcasting, Who told you that?

With incredulity, you published: “Your credit score is obviously important if you’re borrowing money. But many employers also look at scores when hiring.”

At the bottom of that story is a link to the “Consumers Union website,” however, the Consumers Union page at the link address does not support your statement; it does not mention employers.

New Yorker Hotel

On a whistle-stop tour this month, I visited Consumer Reports.  The person with that organization I spoke to there wrote:

Sent: Thursday, March 08, 2012 1:34 PM
To: greg@creditscoring.com
Subject: Follow up to your visit earlier today

Hello Greg,

After your visit, I conferred with Mandy Walker and our experts over at Consumers Union (the advocacy arm of Consumer Reports), and we’ve since updated Mandy’s quote in my blog to more accurately reflect the updated language now found at the website cited.

I just wanted to thank you for bringing this to my attention, and apologize for the communication disconnect that occurred on this end between Consumers Union and Consumer Reports, which meant the update was not made to the blog post sooner.

Again, thanks for your sharp eye and follow through,
[name]

(Despite that, still, another Consumers Union document states, inaccurately, “Without a Disaster Information Shield, FICO scoring models could pose an affirmative barrier to the efforts of disaster victims to regain, and maintain, financial stability, access reasonably priced credit, and even regain employment.”)

Your page even contains advertisements while misinforming readers by saying that employers use credit scores.

Who told you that?

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

 

reply, Hearst, media accuracy, erroneous reporting

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Thursday, March 22, 2012 10:26 AM
To: J.T. O’Donnell, columnist, J.T. & Dale Talk Jobs; J. T. O’Donnell, founder & president, CAREEREALISM
Cc: George R. Hearst, Jr., chairman, Hearst Corporation (via Lisa Bagley); William Dean Singleton, chairman, MediaNews Group, Inc.; Dale Dauten, columnist, J.T. & Dale Talk Jobs; Mary E. Junck, chairman, president and CEO; chairman, Executive Committee, Lee Enterprises; Mary Junck, Associated Press; Dale Quinn, reporter, Arizona Daily Star, Lee Enterprises
Subject: Re: media accuracy, errors and corrections, Lee Enterprises, Hearst, AP, a real joke

You must be joking about Lee Enterprises.

Experian states: “Experian’s Employment Insight report includes similar information about loans and credit cards that is listed in the credit report. It does not include year of birth, spouse reference, account number or credit score, which are irrelevant to hiring decisions”

I hope that’s official enough for you.  Actually, a guy gave a testimony.  He swore it, under oath even!

Finally, there is no longer anything on Equifax’s website about employers using credit scores.

So, that begs the question: Who is your source?  And, if nobody said it in the first place, then what are you “validate/research” -ing?

On the other hand, Experian says, “Creditors, landlords, and even some employers consider a person’s credit score before deciding whether they will approve a loan, lease an apartment, or hire an applicant.”

Why don’t you tell that story?

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

 

From: [email address] On Behalf Of J.T. O’Donnell
Sent: Wednesday, March 21, 2012 6:00 PM
To: greg@creditscoring.com
Subject: Re: media accuracy, errors and corrections, Lee Enterprises, Hearst, AP

Greg,

Just sent you a tweet but figured I’d email you too.

I hope you can understand that because you are the one emailing, we need to validate/research what you are saying.

I’ll circle back with you when I learn more.

Thanks for your patience,

JT

[previous email]

 

media accuracy, errors and corrections, Lee Enterprises, Hearst, AP

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Wednesday, March 21, 2012 11:26 AM
To: Mary E. Junck, chairman, president and CEO; chairman, Executive Committee, Lee Enterprises; Mary Junck, Associated Press
Cc: George R. Hearst, Jr., chairman, Hearst Corporation (via Lisa Bagley); William Dean Singleton, chairman, MediaNews Group, Inc.; Dale Dauten, columnist, J.T. & Dale Talk Jobs; J.T. O’Donnell, columnist, J.T. & Dale Talk Jobs
Subject: media accuracy, errors and corrections, Lee Enterprises, Hearst, AP

You published

J.T.: Some companies use credit scores as one measure of how responsible a person is. And with so many people looking for work, they may feel it’s easier to hire someone with a good credit score.

DALE: Which is why you were right to bring it up in the interview. And you should rehearse a brief statement talking about all you’re doing to repair your credit scores, playing up the ‘lesson learned’ theme.

Employers do not use credit scores, and you continue to display advertisements on that page.

Will you make a correction?

Also, an AP (Associated Press) report states, “Not having a credit score, or having a low one, also can mean higher car insurance rates, higher rent, difficulty getting a job and paying higher interest rates for any credit available.”

What are you doing about that?

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

[response]

Forbes’ attempt at hipness; Forbes’ correction policy

Ah, youth, and fabulous New York.

The “journalist,” “Interactive Editor,” and “web editor” now works for Reuters, who has it all figured out.

And if you think that’s rich…

 

[ORIGINAL MESSAGE]

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Wednesday, July 20, 2011 11:43 PM
To: Heather Struck, reporter, Forbes; Heather Struck, reporter, Forbes
Subject: credit score, employers, Forbes, 2011-07-20

See this message and your response at https://blog.creditscoring.com/?p=2274, https://blog.creditscoring.com/?cat=134 and https://blog.creditscoring.com/?tag=forbes.

You wrote

But one’s creditworthiness, as reflected in a FICO score or a credit report, now affects a lot more than the ability to borrow money or buy something on credit. It can affect whether you get a job, what you pay for insurance, and even how your personal relationships work out.

and

Employment consultants say a troubling credit score may cause hiring officers to more closely question an applicant. Vic Tanon, chief simplicity officer at Emplicity, an organization that consults in hiring practices across the U.S., says a bad credit rating is likely to be more of a factor in certain industries like financial services.

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

 

 

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Monday, July 25, 2011 3:10 PM
To: Vic Tannon, chief simplicity officer, CEO, founder and president, Emplicity
Cc: Heather Struck, reporter, Forbes; Heather Struck, reporter, Forbes; Monie Begley, Forbes
Subject: RE: credit score, employers, Forbes, 2011-07-20, Emplicity

Did you discuss the topic of credit scores with Forbes?

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

 

 

From: Struck, Heather
Sent: Monday, July 25, 2011 3:09 PM
To: Greg Fisher
Subject: Out of Office: credit score, employers, Forbes, 2011-07-20, Emplicity

I am out of the office at a Fellowship orientation until July 31. Please excuse my late replies to emails. If you need immediate assistance, please contact Tina Russo. [Russo’s email].

 

 

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Monday, July 25, 2011 9:28 PM
To: Tina Russo, senior editor, Forbes
Subject: FW: credit score, employers, Forbes, 2011-07-20, Emplicity

—–Original Message—–
From: Struck, Heather
Sent: Monday, July 25, 2011 3:09 PM
To: Greg Fisher
Subject: Out of Office: credit score, employers, Forbes, 2011-07-20, Emplicity

I am out of the office at a Fellowship orientation until July 31. Please excuse my late replies to emails. If you need immediate assistance, please contact Tina Russo. [Russo’s email].

 

 

From: Struck, Heather
Sent: Wednesday, August 31, 2011 5:56 AM
To: greg@creditscoring.com
Subject: RE: credit score, employers, Forbes, 2011-07-20, Emplicity

Dear Greg,

My apologies for not responding to this until now. I am unsure if you spoke directly with him, but Vic Tannon was my source for that statement. Perhaps there is something you can add?

Heather Struck
Forbes
Markets, New York
[phone]
Follow me: http://blogs.forbes.com/people/hstruck/

 

 

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Wednesday, August 31, 2011 7:43 AM
To: Heather Struck, reporter, Forbes
Cc: Monie Begley, Forbes; Tina Russo, senior editor, Forbes; Vic Tannon, chief simplicity officer, CEO, founder and president, Emplicity
Subject: RE: credit score, employers, Forbes, 2011-07-20, CRAs

The consumer reporting agencies do not provide credit scores for employment purposes.

What correction will you make?

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

 

 

From: Struck, Heather [mailto:HStruck@forbes.com]
Sent: Wednesday, August 31, 2011 8:01 AM
To: greg@creditscoring.com
Cc: Begley, Monie; Russo, Tina; Vic Tannon, chief simplicity officer, CEO, founder and president, Emplicity
Subject: RE: credit score, employers, Forbes, 2011-07-20, CRAs

I understand your point, but it is very clearly sourced. The point there is some occupations have been known to look at credit scores in an evaluation, according to this source. I agree this point needs clarification, and you are very welcome to post a comment on the story.

http://www.forbes.com/sites/heatherstruck/2011/07/20/credit-score-fico-can-hurt-you/

Thanks for the note,

Heather Struck
Forbes
Markets, New York
[phone]
Follow me: http://blogs.forbes.com/people/hstruck/

 

 

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Wednesday, August 31, 2011 1:12 PM
To: Heather Struck, reporter, Forbes
Cc: Monie Begley, Forbes; Tina Russo, senior editor, Forbes; Vic Tannon, chief simplicity officer, CEO, founder and president, Emplicity
Subject: RE: credit score, employers, Forbes, 2011-07-20, clarity

Only you mentioned clarification so there is nothing to agree upon.

According to consumer reporting agency TransUnion, a “rating” is the manner of payment of an individual account.

Who are your other sources?

What authority do you, as the writer, have in making corrections of errors of fact, or clarifications of unclear stories or attribution published by Forbes?

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

 

 

From: Struck, Heather
Sent: Wednesday, August 31, 2011 2:00 PM
To: greg@creditscoring.com
Subject: RE: credit score, employers, Forbes, 2011-07-20, clarity

My editor has authority to make corrections. You can be in touch with him if you like.

Matthew Schifrin – [email address]

Thanks –

Heather Struck
Forbes
Markets, New York
[phone]
Follow me: http://blogs.forbes.com/people/hstruck/