@thom02099 wrote:Rather than being wrong, it could be just a matter of semantics and a misunderstanding.
"Educational" could mean in this context that the reports that a CONSUMER pulls are in fact to educate the consumer as to not only the scores involved, but the detailed information in the reports. One would not necessarily expect that a consumer would pull their reports, print them out, and take them to a lender and say "here's my reports, give me a loan". Such a printout could be manipulated so as to reflect incorrect information, that would favour the consumer. Thus, such reports, to the consumer, are "educational", for their use solely.
A lender, on the other hand, will be pulling the reports for a business reason. They don't need to be "educated", they need hard data on which to make a decision, based on their own underwriting criteria. Exact same reports, just for their files and decision making.
Educational reports versus Business reports. Same reports/same information. Like I said, matter of semantics. CSR was not necessarily wrong.
ETA: Also, rather than looking to file a complaint with the Better Business Bureau or other outside agency, why not simply report the situation to MyFICO management? They can review the circumstances, and if necessary, re-train the CSR in question to use different wording. Problem solved.
+1
Thanks for saving me all that typing thom! 