Do FICO people have secret information?

[Thomas_Thumb]

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@Horseshoez wrote:

When the CBs delete information, it is gone.

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CBs don't generate data, it is provided to them from other sources. Those sources exist as does the data. Fico is not a data repository. It just spits out scores based on data fed to it.

There are a great many incognito files and scores on all of us. For some limited insight search the scoring of america. Want to know one of your reputation scores? Look yourself up on mylife.

[markbeiser]

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@Brian_Earl_Spilner wrote:

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@Jnbmom wrote:

FICO people 😳 There are no FICO "people" it's a scoring system .

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Sounds like something a fico person would say. 

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dundundun-suspense.gif

[MeCasa]

What made me think about this. I have 9 or 10 mcredit cards. Two 10-15000 0% cards are 90% maxed. The rest of the cards are clean. EXCEPT a $5000 0% Wells Fargo card. I have $1250 on this card. When I look at various projection sources including CreditKarma they suggest paying the Wells Fargo card down. They don't say anything about the high cards, they suggest paying the Wells Fargo card down. The Wells Fargo card is only at 25% utilization and I wondered why they suggest this.

And I couldn't understand why they were suggesting this and I wondered if Wells Fargo was paying for that advice. I'm still not sure they're not. I'm telling the truth here and it bothers me.

[NYC_Fella]

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@MeCasa wrote:

The Wells Fargo card is only at 25% utilization and I wondered why they suggest this.

And I couldn't understand why they were suggesting this and I wondered if Wells Fargo was paying for that advice. I'm still not sure they're not. I'm telling the truth here and it bothers me.

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Perhaps because it's the easiest one to pay off?

In any event I wouldn't trust anything Credit Karma says.

You are overthinking this. FICO scoring is very straightforward and mostly quite predictable.

[Horseshoez]

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@Thomas_Thumb wrote:

Want to know one of your reputation scores? Look yourself up on mylife.

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LOL, I just looked myself up; the only record which popped up was from an address I lived at in the 1990s and it said I was 123 years old. 

[MeCasa]

Yes, I probably am overthinking it, I have a basic need to control everything and a Fico score is not that easy to understand  or control  :-)

[Horseshoez]

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@MeCasa wrote:

Yes, I probably am overthinking it, I have a basic need to control everything and a Fico score is not that easy to understand  or control  :-)

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There are lots of folks here who have a need to tightly manage their lives; I strongly recommend you search out the AZEO (All Zero Except One) threads and give them a review.  The information provided in those threads will give you the necessary tools and understanding to control as much as can be controlled (which is still far from full control).

[MeCasa]

Perhaps I worded this post wrongly. I believe the credit bureaus act in conjunction with large corporate collections to get us to pay money whether it is rightly or wrongly owed. I was spotless, no collections, no late payments but when Verizon filed a collection on me all three scores dropped 100 points. Surely the credit bureaus didn't think $76 was going to affect my financial stability.

I believe the credit bureaus have side deals with some collection companies (especially those with one big client). I still don't believe that the charge was right especially after 15 years of paying my bill on time. Verizon used the credit bureaus to have their way with me.

I hope I'm not pregnant........

Mike

[AzCreditGuy]

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@MeCasa wrote:

Perhaps I worded this post wrongly. I believe the credit bureaus act in conjunction with large corporate collections to get us to pay money whether it is rightly or wrongly owed. I was spotless, no collections, no late payments but when Verizon filed a collection on me all three scores dropped 100 points. Surely the credit bureaus didn't think $76 was going to affect my financial stability.

I believe the credit bureaus have side deals with some collection companies (especially those with one big client). I still don't believe that the charge was right especially after 15 years of paying my bill on time. Verizon used the credit bureaus to have their way with me.

I hope I'm not pregnant........

Mike

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This post is just crazy man....I have Verizon and I would still pay $76 because I know the dispute later on would give me time to see what happened. I think you are confusing the fact that Verizon is shady and they have business practices that benefit them and no you the consumer....I learned this after took them up on a iphone 14 pro for free...because its not free ....

[MeCasa]

I don't know what to say....I would appreciated a heads up! 

I mean, I'm a forum buddy and all   :-)

Sometimes the lessons learned hard are the lessons remembered. I'm 68 byears old and still learning hard. still talking proud, I laughed and said "I'm not paying anything I don't owe".

Then I paid them and slthered away.  :-)