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Even money this has to do with the lawsuit Fair Isaac has going against all three credit bureaus (Although EQ is no longer a defendent in the lawsuit, TU and EX still are.)
Although for those of you who think EX is the only culprit, Fair Isaac is not an innocent party.
While you and I are going to no longer be able to access OUR OWN PERSONAL Fico Score, you **bleep** well better believe that Fair Isaac made it a point to come to an agreement with EX to continue generating the scores and selling them to lenders and businesses.
As per usual, the businesses will still have access to our scores, but **bleep** the consumer.
In an environment such as today's financial climate, it would benefit everyone (individual and business alike) to provide MORE access to the consumer not LESS.
**** them both.
"EXPERIAN READ THIS!!!
Flat out .... I will ask creditors what credit bureau that they use for their decisions ... if they respond experian than I will tell them directly that I will not do business with you nor apply for credit with you because experian does not provide consumers with their Fico score.
The buck always stops at the end consumer!!! If a lender or creditor get enough negative feedback about experian then they will relay that back to experian or use a different bureau.
I have not been satisfied with the accuracy of Experian to begin with!"
I am hearby locking my Experian credit report, this is the last money you will get from me! If a creditor wants to pull Experian I will do the same as the above poster.
@Anonymous wrote:Rats,
All I have is a buch of curse words!
Our credit is all we have to protect us from predatory lending practices and now this.
Why?
Because we as intelligent consumers broke the FICO code and got smarter about our credit. We know how to make our scores go up, and down. My guess is EX and its real customers (CA's, Banks, Auto Dealers) etc. do not like it when we manipulate the system the way we do.
@Anonymous wrote:
@Anonymous wrote:Rats,
All I have is a buch of curse words!
Our credit is all we have to protect us from predatory lending practices and now this.
Why?
Because we as intelligent consumers broke the FICO code and got smarter about our credit. We know how to make our scores go up, and down. My guess is EX and its real customers (CA's, Banks, Auto Dealers) etc. do not like it when we manipulate the system the way we do.
It is your RIGHT to "manipulate" the system if you will, that is why we need to understand things to make things better, our motto as the greatest country in the world right? or are we now saying that we should be more like communist countries where information is blocked and censored to keep their people living in ignorance and dominate them easier, cause that's exactly where this is going.
Q: Who made the decision to terminate this agreement between Fair Isaac (myFICO) and Experian?For those who might have skipped the FAQ's thread, here's the link:
A: Experian made this decision and notified Fair Isaac Corporation.
Q: Why did Experian make this decision?
A: Their reasons are not clear to us at this time and we do not believe it appropriate to speculate.
@haulingthescoreup wrote:
OK, OK, let's try to ease off, everyone. No one is happy about Experian doing this, I know.
And just to remind about a few points from the FAQ's thread:Q: Who made the decision to terminate this agreement between Fair Isaac (myFICO) and Experian?For those who might have skipped the FAQ's thread, here's the link:
A: Experian made this decision and notified Fair Isaac Corporation.
Q: Why did Experian make this decision?
A: Their reasons are not clear to us at this time and we do not believe it appropriate to speculate.
FAQ for myFICO customers about Experian-based FICO scores
You are right but its a fair reaction for people to be upset. I personally DID read all of them, including the whole FAQ but the fact remains that contracts cannot be terminated without mutual consent or it will be a breach. So if Experian is getting what they want, Fair Isaac conceded and gave it to them by letting them out of it. That's all I am saying and until they disclose the details which they have not, there is no way to know to what extent who else is to blame other than the obvious.
@Guardian wrote:It is your RIGHT to "manipulate" the system if you will, that is why we need to understand things to make things better, our motto as the greatest country in the world right? or are we now saying that we should be more like communist countries where information is blocked and censored to keep their people living in ignorance and dominate them easier, cause that's exactly where this is going.
This is where experian is going! As long as we can still get our TU and EQ I say "FUDGE OFF experian!" In fact it is my lowest score by far since they continue to report a collection as a "factoring company" installment account. I am just going to freeze that one, and force lenders to pick EQ and TU, my two good scores.