Precisely...this is what I've been saying for some time. Fair Isaac did a great job creating a mega $$$ industry of credit reporting, scoring models and selling services to consumers. Frankly I'm surprised TransUnion an Equifax haven't pulled out by now. This is all about money...BIG MONEY. Imagine how much Fair Isaac makes in selling score models to financial services, insurance and all other organizations that do background/credit risk assessments. If you were Experian wouldn't you want a piece of that? Also please don't be naive enough to think Fair Isaac/MYFICO is the good guy here...they make HUGE money off the MYFICO community - at some time or another we all purchase their proucts. Its a full lifecycle thing. Fair Isaac, the credit reporting agencies push credit risk assessment models, the consumer is subject to their "score" for everything from home mortgages, automobiles, credit cars, installment loans, employment and insurance. By keeping the "mystique" going, we're constantly interested in improving our credit so we join forums, get snagged in on the products offered and so it goes....
There's a great quote worth noting that I'll take a little liberty on..."If you're not a part of the solution, there's great money to be made promoting the problem"... Don't drink too much of the Kool-Aid here folks...do what you need to do, use the info to better your position to achieve your goal and then get off the bus. You're never going to win at this - the odds eclipse even Las Vegas!
