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Credit Scores
PsychDoc's Credit Insider Guide to
CREDIT SCORES
Section #1: Good Intentions
CREDIT SCORING is a terrible practice.
First, credit scores are not the objective beacons they pretend to be, and
consumers pay mightily as a result. To help fully understand why, Lexington
should bring in an applied social scientist. Oops, right here! I'll say more
about the statistical fallacies surrounding credit scoring shortly.
Second, some lawyers contend that the practice of providing credit scores to
potential creditors, insurers, and employers may well violate the Fair Credit
Reporting Act (FCRA), an interesting civic issue with profound implications for
the entire industry.
Third, certain government-overseen housing programs like FreddieMac rely upon
the predominant credit scoring system whose underlying mathematics are still
kept secret by a single for-profit corporate monopoly. Such secrecy (untested
and unaccountable secrecy at that) is quite the conundrum in a country where
citizens demand to know how tax dollars are spent.
Finally, and perhaps most outrageously, consumers are offered precious little
information which might help them to optimize their credit scores. Sure, there
are plenty of web sites which detail the basic outlines of what comprises a
score, and we'll review all of that here too. Unfortunately, though, such
dazzlingly hypnotic and overly general information doesn't really help real-life
consumers with street questions like, "What will help my credit score most
today: Paying off a charged-off account from five years ago, or closing two or
three of my fifteen credit card accounts? Paying off a student loan, or paying
off a credit card? Paying down one account entirely, or paying down all my
accounts a little bit?" (Toward that end, the score coaching service I
recommend, PerfectYourScore.com, constitutes a rare lighthouse of individualized
guidance.)
So as a result of the rampant unfairness, institutional secrecy, rotten science,
and a virtual dearth of truly helpful information, Americans are roundly and
routinely victimized.
Good intentions. Nobody ever sat down and decided to make things worse for
consumers. In fact, the intention was quite the opposite. Credit scoring was an
attempt to remove issues like RACE, GENDER, SOCIO-ECONOMIC CLASS, and INCOME
from an overall assessment of every consumer's credit report.
Back in the Good Old Days before 1970, a credit report would very often include
such things as whether you were black or white, whether you embraced a
particular religion or were atheist, rich or middle-class, whether somebody
thought you were an alcoholic, courtroom quotes from ex-spouses, and whatever
else they could find. Likewise, bankers once withheld credit to those whose
appearance just didn't fit their idea of what defined a good human being. You
could even be denied because the loan officer simply thought you looked strange.
Sadly, sometimes the actual reasons were based upon racial preconceptions or
similar prejudices.
Strange as all of that may sound today, the FCRA still draws a distinction
between "investigative consumer reports" (like subjective statements by
ex-spouses regarding moral character), an activity which was practically
legislated away, and the kinds of consumer disclosures we now accept as the
norm. The basic idea, then, for credit scores was a good one. It was an attempt
to inject science into the process.
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Our intention is to provide you with the knowledge you need to permanently improve your credit file. The regular price is $189.00. It's worth many times this price if it does what we say. the problem is that many sincere people have had a hard time believing they can repair their credit permanently. We know we are telling the truth, but you don't know that yet.
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We want to do everything we can to help sincere people improve their bad
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