Scott Martin

Hey Breeze -- thanks for the BUMP. The site gets a blurb either way, but this is also a chance for people to air their pet frustrations or clear up some of their most-hated urban legends. ("Dispute mills really work ... carrying a balance helps your score ... employers check your score.") Hegemony, I hope everyone's singing your praises because otherwise you'd be an unsung genius. I suspect that since all the issuers are reworking their qual models now anyway, switching to 08 at the same time could either complicate or simplify the process, depending on how each bank's people decide to handle it. Interesting times....

Thanks to all so far. I know plenty of journalists like to troll message boards for free insight, but this is one of those rare opportunities to attribute everything. Divine DragonFlyer -- I think this site has usermail; anybody should feel free to drop me a note here or at robertscottmartin at gmail. Hegemony -- thanks. Right now what FICO is telling me is that 08 won't have much of an impact except in terms of small baddies and the diminished impact of AU accounts. Is that the sense around here?

Hello -- I'm a journalist working on a scoring piece for a national monthly magazine. (Site owner invited me so this is not spam.) We're looking for short quotes from real people across the country on the areas of the credit score system that confuse/annoy you: fuzzy qualification targets, vague utilization ratio calculations on lines that don't report limits, treatment of retailer accounts, late reporting of payments, FAKEO versus FICO, that kind of thing. We're also interested in getting your take on credit repair services, especially now that FICO 08 is out there, and on the various monitoring and other products the CRAs sell. Very short quotes but it would give you a chance to tell the public what drives you crazy about scoring. We would need to publish name, town and occupation. Please feel free to message or mail me through here. I have to say I'm blown away by what I've seen on this board and we'll definitely be citing it as the best resource on the Internet for the real dirt on scores. Thanks, Scott Martin