Class is titled: CSI...Credit Score Investigation. I heard about this class from a co-worker. Class is packed...very interesting info!!

does the guy next to you wear a blue shirt that says 400, wear a ski mask and pic his nose?

what's the gist? reviewing customer cs to reduce loss or getting around cs to make sales? (seeing creditworthy signs even if cs is bad)

this teacher is very interesting. very credible. he is beating the crap out of the banks. #1 thing he is against...credit counseling.

he started his career 25 years ago as an IDS Financial Advisor. today, he is straight up a credit consultant. he knows the banks, the law

the credit bureas and what appears to be the most important relationship he has is with the Fair Isaac folks (FICO)...which I learned is

in all fairness. there is disclosure. so anyone can read the fine print. Plus lets not forget common sense. but banks could do more.

based right here in Arden Hills. it is unreal what I've learned about the big 3 reporting agencies. They are simply List Broker services.

BTW... I was referring to the credit rating commercial.. with the blue shirt... nobody got that. Or it was just not funny.

and the bottom line is...which is sad, the banks, financing companies, credit agencies all make sooooo much more money on folks with lower..

credit scores and poorer credit reports...it's pretty much easy to see that by keeping folks below 700 score (which can differ among the big

Like I always tell my kids, it costs money to be poor.

has your teacher brought up this bank? banknd.nd.gov/

some say it is reason ND has been beating the recession.

www.webofdebt.com/articl...

almost done for the day! as the instructor says...this information is no good to a high school/college kid. they need life to beat em up.

good job, danster. I wish my folks had been a bit more forward with my early credit decisions. I remember filling out 3 credit apps...

so I could score a free Cartman (Southpark) t-shirt when I was a freshman at the U.

I think by age 19 I had more available unsecured credit than I've ever had since. Simply to score free stuff from tables set up on campus!

the instructor says: things that affect a credit score: payment history - 35%, amounts owed - 30%, length of credit history - 15%,

new credit - 10%, types of credit used - 10%. I guess this is straight from the guys who write code at Fair Isaac (FICO). A consumers...

credit score can fluctuate 40 points in one business depending on the reporting of the big 3 and the hundreds of other reporting agencies.

can cost a consumer one point per 20 points up/down on a credit score. Now days, any score below 700 is considered sub-prime. Millions of

Americans are now in this category this calendar year.