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Christine Baker
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 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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