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That I agree with NB. The score only claims to create the profile based on your payment history and other factors in your credit reports.
Noah_Bodie wrote:
I call horsepoop on the credibility of this score.If 87 percent of personal BKs cite one or more of the Big Three of BK (job loss, family breakup, medical debt) then there ain't no way in Gehenna anyone short of the NSA and the CIA could figure out one's BK risk--even then I ain't bettin' on the feds.Among the remaining 13 percent are crime victimization, natural disaster and bad investments.If any sort of reliability can be shown out of a BK score, then the folks doing BK risks need to talk with a group of folks in Arlington and another group of folks in Langley. They're looking for a risk score that will predict the future location of a guy named Osama.
ilovepizza wrote:
Did I read correctly in this article?
"The Experian credit agency became the first to start selling its new "VantageScore" credit scoring system this week."
Experian and Vantage? Doesn't Vantage belong to TU?
Supposedly the Vantage score will eventually be offered on all three bureaus.
I can assure you that this BK score is real.
Noah_Bodie wrote:
I call horsepoop on the credibility of this score.If 87 percent of personal BKs cite one or more of the Big Three of BK (job loss, family breakup, medical debt) then there ain't no way in Gehenna anyone short of the NSA and the CIA could figure out one's BK risk--even then I ain't bettin' on the feds.Among the remaining 13 percent are crime victimization, natural disaster and bad investments.If any sort of reliability can be shown out of a BK score, then the folks doing BK risks need to talk with a group of folks in Arlington and another group of folks in Langley. They're looking for a risk score that will predict the future location of a guy named Osama.