Valued Contributor
Posts: 2,791
Registered: ‎03-18-2007
Re: Feedback from the FICO Forums community

porkozone wrote:

ralbusta wrote:

This just goes to show that the CRAs and EX more specifically are not consumer oriented companies. Like any other business they cater to who they get their money from: their suscribers (lenders, CAs, etc. anyone who reports accounts to them)

 This also means that Fair Isaac - who is selling the ability to generate FICO scores to EX in the first place - is giving in to the EX "request" to not provide that information.
By extension, this means Fair Isaac is not a consumer oriented company, as well, in my opinion. They apparently are more worried about losing their dominance in the credit score industry, and the money that gives them, than they are to standing firm against such a consumer-unfriendly "request".
 Now excuse me while I go get some mouthwash - I have a very bad taste in my mouth. 


The scores themselves are generated at the credit bureaus; myFICO is simply the go-between, the conduit between the consumers and the CB's through which consumers can buy their scores.


If EX doesn't want to let consumers have their scores anymore, there's nothing myFICO can do to force them to hand them over.


It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF