From: Greg Fisher [mailto:greg@creditscoring.com] Sent: Monday, April 16, 2012 11:12 AM To: Deborah A. McDermott, president, New Young Broadcasting Holding Co., Inc. (via Nashville Bank and Trust); Deborah A. McDermott, president, New Young Broadcasting Holding Co., Inc. (via Leadership Nashville Foundation) Cc: Angela Kennecke, news anchor, KELOLAND Television, New Young Broadcasting; Press office, U.S. Consumer Financial Protection Bureau; Corrections, KELOLAND News, KELO-TV, New Young Broadcasting Subject: RE: The News at Ten and its corrections, .tv II
From: Greg Fisher [mailto:greg@creditscoring.com] Sent: Friday, April 13, 2012 10:37 AM To: Deborah A. McDermott, president, New Young Broadcasting Holding Co., Inc. (via Nashville Bank and Trust) Cc: Angela Kennecke, news anchor, KELOLAND Television, New Young Broadcasting; Press office, U.S. Consumer Financial Protection Bureau Subject: The News at Ten and its corrections, .tv
You broadcast, “Whether you’re applying for a mortgage or a job, your credit score determines how easy it will be for you to get it” and “You could even be turned down for a job if your credit score isn’t high because you may look irresponsible to a prospective employer.”
From: Greg Fisher [mailto:greg@creditscoring.com] Sent: Thursday, April 12, 2012 12:28 PM To: Brian L. Roberts, chairman and CEO, Comcast Corporation (via Adam Miller, EVP, Corporate Affairs, NBCUniversal, Comcast) Cc: Allen Wastler, managing editor, CNBC.com; Daniel Bukszpan, staff writer, CNBC.com, Comcast; Daniel Bukszpan, staff writer, CNBC.com, Comcast (2); Jennifer Dauble, director, public relations, CNBC; Bernard T. Gugar, Harpo Productions; Steve J. Bernas, president/CEO, Better Business Bureau of Chicago and Northern Illinois, Inc.; MSNBC.com; MSNBC.com (2) Subject: RE: US national average credit score, “States with the best credit scores” II
Do you mean to tell me that you actually believe that the national average credit score could have decreased by 22 points in 11 days?
No way. Really?
Chicago Union Station, TO ALL TRAINS
On a recent whistle stop trip to New York (via Chicago), I was able to make a small dent in the misinformation about credit scores. However, these things have a life of their own, and I am not sure that Oprah Winfrey got my message (sent directly to her lawyer, however!). The inaccuracy on her website still exists. She even published this: “That history is digested by a company called Fair Isaac and converted into your credit score, which ranges from 350 to 800.”
That’s not true, of course, and it’s an old story. But, even the New York Times fell for Experian’s campaign, so don’t feel bad. Like the Times (until enlightened), you’re just in a Funk.
—
Greg Fisher
The Credit Scoring Site creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342
From: Greg Fisher [mailto:greg@creditscoring.com] Sent: Wednesday, April 11, 2012 11:28 AM To: L. Michael Hager, former director general, International Development Law Organisation; L. Michael Hager, former director general, International Development Law Organisation (2) Subject: credit score reason codes
From: Greg Fisher [mailto:greg@creditscoring.com] Sent: Monday, April 09, 2012 4:00 PM To: Brian L. Roberts, chairman and CEO, Comcast Corporation (via Adam Miller, EVP, Corporate Affairs, NBCUniversal, Comcast) Cc: Allen Wastler, managing editor, CNBC.com; Daniel Bukszpan, staff writer, CNBC.com, Comcast; Daniel Bukszpan, staff writer, CNBC.com, Comcast (2); Jennifer Dauble, director, public relations, CNBC Subject: US national average credit score, “States with the best credit scores”
On March 29, you published: “In January 2010, the average credit score in the United States was 692, according to Experian’s National Score Index... [t]oday, it’s between 700 and 710… ”
From: Greg Fisher [mailto:greg@creditscoring.com] Sent: Thursday, April 05, 2012 12:43 PM 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) Cc: Jeff Holman, communications director, Dept. of Human Rights, State of Minnesota Subject: RE: credit score, employers, Minnesota Attorney General II
Please reply.
—
Greg Fisher
The Credit Scoring Site creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342
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
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?
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Greg Fisher
The Credit Scoring Site creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342
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)
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
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?
