Re: Re: Re: Re: : Conspiracy theorists unite! 1*did you know there wasn't always credit scoring? 3*Same age as my neice and like her you have noting to compare with what we have now.
Re: Re: Re: Re: Re: : Conspiracy theorists unite! Indeed, yes, I did know that, though I couldn't tell you what year it ended. Regardless, that doesn't change the validity of my points; statistically, it can work, and be a good thing. As long as it's abused, however, it won't be.
Re: Re: Re: Re: Re: Re: : Conspiracy theorists unite! Indeed, yes, I did know that, though I couldn't tell you what year it ended. Regardless, that doesn't change the validity of my points; statistically, it can work, and be a good thing. *As long as it's abused, however, it won't be. *************************************** By the time you were 3 years old I probably had more information about the insurance and banking industries than you've accumulated in your entire life time. *And therein lies the problem; knowing the nature and motivations of these 2 industries it's a dangerous thing in their hands and basically under their full control. I have been Observing & studying these 2 groups almost all of your life, have you?
Re: Re: Re: Re: Re: Re: Re: : Conspiracy theorists unite! If we're going to get into a contest of our e-knowledge, I will bow out now, sir. You win. Good day.
: Re: : Conspiracy theorists unite! Anyone who has ever worked in risk analysis knows that it's just that--a RISK based on STATISTICS of a population. Hedwig ===================== And just what kind of risk predictions do you get when it's based on skewered STATISTICS of a population., A-50-C
: Re: : Conspiracy theorists unite! It's not. I worked for many years in the insurance industry. You wouldn't believe the size of the population upon which their statistics are based. And in many states, validated by actuaries in the insurance commissioner's office. That's why certain groups pay more than the norm, and others pay less.
Re: : Re: : Conspiracy theorists unite! Primary Sources Only. Items on a report should originate only from original creditors. No secondary sources such as lists from collection agencies or contingency attorneys should be allowed. A large percentage of the typical credit report comes from second and third tier sources who have no knowledge of the transaction. Secondary sources are now even allowed to "verify" upon challenges even when they have no records and have a financial interest in keeping untrue negative information on a report.
