Comments on: My Credit Score http://www.accumulatingmoney.com/my-credit-score/ Because wealth is better than poverty, if only for financial reasons. Mon, 06 Feb 2012 01:49:45 +0000 hourly 1 http://wordpress.org/?v= By: kiers http://www.accumulatingmoney.com/my-credit-score/comment-page-1/#comment-120546 kiers Mon, 29 Aug 2011 20:07:08 +0000 http://www.accumulatingmoney.com/my-credit-score/#comment-120546 Just an example of how Messrs "Fair" and "Isaac" have every American down to a number. Their black box human-sorting "formula" doesn't suit me! If you limit your credit limit, for the sake of security. that's bad. I would think that's GOOD. How often do you spend over $5K in a month on credit? really? isn't the point of "credit" that you can miss a payment and then make it up the next month (plus this is where the banks make their fees and moolah). FICO is all rubbish. I wouldn't be surprised if racial or other profiling is used. secret formula .... hmm. Just an example of how Messrs “Fair” and “Isaac” have every American down to a number.

Their black box human-sorting “formula” doesn’t suit me!
If you limit your credit limit, for the sake of security. that’s bad. I would think that’s GOOD. How often do you spend over $5K in a month on credit? really? isn’t the point of “credit” that you can miss a payment and then make it up the next month (plus this is where the banks make their fees and moolah).

FICO is all rubbish. I wouldn’t be surprised if racial or other profiling is used. secret formula …. hmm.

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