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All rights reserved.
Christine Baker
BayHouse.com

 

 

 FICO Credit Scoring IS Fraud!

My clients' FICO Credit Scores changed by up to 24 points in only ONE day with NO changes on the reports.

Borrower

7-30-97

7-31-97

CHANGE

8-1-97

CHANGE

TRW (Experian):

671

659

-12

676

+17

Trans Union:

717

712

-5

718

+6

 

 

 

 

 

 

CoBorrower

7-30-97

7-31-97

CHANGE

8-1-97

CHANGE

TRW (Experian):

698

674

-24

674

0

Trans Union

630

622

-8

622

0

What a difference a day makes

APPROVED today - DECLINED tomorrow!

The scanned Preliminary Residential Mortgage Credit Reports

Report 7-30-97:

Scores 7-30-97

Report 7-31-97:

Report 7-31-97

Report 8-1-97:

Report 8-1-97

On 8-3-97 I faxed the 8-1 report to my account rep Sheryl (Financial Datalink) asking:

"Can you tell us what changed on the CoBorrower's  TRW to cause a 24 point FICO drop?"

As usually, I received no response.

If you need evidence that FICO Credit Scoring is a FRAUD for legal action, I'll be happy to supply the original reports.   However, my clients must remain anonymous.

How did I get these reports and Fair Isaac credit scores on 3 consecutive days?

As always, I had ordered the preliminary RMCR with all three repositories. However, somebody or something at Financial Datalink screwed up, Equifax was missing. So I requested an updated report with Equifax. On 7-31 I got a new report, again missing Equifax.  Finally on 8-1 I got the complete report including Equifax.

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