@core wrote:
(regarding all this talk of a myfico-blessed credit pulls type database...)
Dear Fair Isaac:
It has come to our attention that you are promoting, causing to be promoted, or allowing to be promoted, on your site a tool which discourages consumers from applying for our cards if they are wrongly convinced that their FICO® scores are too low to be approved. This so-called "data" is nothing more than unmoderated libel. As you are well aware, even applications which are denied contribute to our revenue. We have also noted that the database in question shows that our competitor has more liberal underwriting criteria but this is clearly not based in truth. We have seen a substantial drop in applications last quarter and my contact at Competitor informs me that they have never been doing better. Put a stop to this at once or else.
Signed,
-The people that pay your bills
*** GAME OVER ***
Dear People that pay my bills
Please consider the advantage of having your card considered super-exclusive! We have many people on MyFico who will apply for any card if it a) popular, b) "exclusive"
or c) has some metal content. With proper marketing (and we would be happy to help) you will see your application numbers shoot up! And, with our special "correction" program, for a very worthwhile fee, we can "adjust" the scores for your card, keeping an air of exclusiveness while allowing you to grant credit to those with a pulse (or those who had a pulse fairly recently)
