Question: >>>>report. If that fails then contact the credit bureau. By law they must >>>>include you explanation in the report.
>>> For practical purposes, that isn’t true. The FICO credit score is all >>> that really matters. And your explanation won’t have any impact at >>> all on your FICO credit score.
>>> Credit bureaus and FICO are like a court.
>> Not even close. Judgements made by a court are legally binding. >> Judgements made by FICO are just a number thrown out by a private party >> and are more akin to product ratings issued by Consumer Reports or other >> consumer publications.
>> Nothing forces a lender to pay any attention to FICO’s “judgements” any >> more than anyone forces you to pay attention to a Consumer Reports >> rating.
Answer: Valid or not, it doesn’t change the fact that comparing FICO to a court is completely wrong.They’re simply an influential and widely-used investment analyst service. Think of it as the equivalent of Morningstar for bonds issued by individual consumers rather than cities or corporations.Let me assure you, it’s not only jackasses like me who will flame some astute business mind like you who seems intent on reducing the signal/noise ratio of these consumer advocacy groups by shamelessly multiposting their shills in response to any thread that mentions credit.
Here’s some free advice for ya. If you decide to make yourself a valuable member of these newsgroups and post helpful advice on a routine basis (even if it doesn’t lead to an immediate sale), and take an “Oh by the way, I am also a professional whatever” then maybe you’ll build up enough goodwill to attract some customers. It’s called subtlety.
But until then you’re just an unwanted spammer who’s only lookin to use the forums directly for their commercial profit or to post their advertising. And that makes you a spammer.
Now, for extra credit, find where on my exceedingly lame personal website (thanks for visiting by the way) I’m selling anything or generating one cent of ad income. Now there is one page buried deep in all the other random info, but it has nothing to do with consumer credit, housing, or frugal living.
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