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Credit & Collection Legislation > Capital One FINALLY reports the credit LIMITS > Capital One lowers the FICO scores of MILLIONS > In January 2001 I found out that missing credit limits can lower credit scores

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In January 2001 I found out that missing credit limits can lower credit scores
 Moderated by: Christine
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 Posted: Sat Jan 27th, 2007 12:26 am
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Christine
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A client asked me today how I know Barry Paperno at Fair Isaac and I realized that few people have any idea how long I've been working on this.

Citibank and Capital One are NOT reporting credit limits and how it affects one's FICO scores (Complaints to FTC and Capital One, the finger pointing continues)

Those were the days, back in 2000/2001/2002.  I actually believed that "we" could make a difference by filing complaints and alerting regulators.

As I read through that thread, it just blows my mind that I'm still here.  In winter 02/03 I was making calls to airlines, getting info on tickets to Nicaragua and flying with my dog.  And then I decided to file my first federal lawsuit in 3/03 instead and I named the Federal Reserve Bank, Senior VP McAfee, the FTC, the FCC, Fair Isaac, Barry Paperno, Thomas Quinn and 20some others.  What I was thinking ... 

Of course they were dismissed, mostly for lack of personal jurisdiction.  I had no idea what that meant when I filed that suit.

I've talked with Barry on the phone for quite a few hours back in the old days.  He is a real nice guy and he gave me a lot of info on inquiry deduplication and he answered many of my scoring questions. 

I suspect he changed his phone # since then, my client was told today that she couldn't talk to him directly when she called to find out why I hadn't heard back from him regarding the completely screwed up myFICO reports.   

One of the drawbacks to the web is that consumers tend to post email addresses and phone numbers for people like Barry and then they get flooded with calls.

Reading through that thread at the old forum sure brings back memories.  It's odd how you can really get to know people online.  "Shylock" is one of those very bright guys, but usually with opposite views.  We had our differences, but I respect him for being honest and using his brain.  

And while I have yet to make it to Nicaragua, Shylock moved to Peru.  If I ever get out of here, I'd love to meet him in Peru.  All the other regular posters either got their credit problems resolved and lost interest, gave up or got into the credit repair business.



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Credit & Collection Legislation > Capital One FINALLY reports the credit LIMITS > Capital One lowers the FICO scores of MILLIONS > In January 2001 I found out that missing credit limits can lower credit scores
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