Daily Kos

From: Greg Fisher [mailto:greg@pagea2.com]
Sent: Saturday, January 19, 2013 10:36 PM
To: Markos Moulitsas Zúniga, founder and publisher, Daily Kos; Markos Moulitsas Zúniga, founder and publisher, Daily Kos (2); Markos Moulitsas Zúniga, founder and publisher, Daily Kos (3)
Subject: dating

See this message and your response at http://www.pagea2.com/daily-kos/.

You published, “Credit scores are important to know because of the many other life events they impact — getting loans for major purchases, getting hired at certain companies, etc.”

What are the names of two companies who use credit scores in hiring?


Greg Fisher
Page A2
pagea2.com
PO Box 342
Dayton, Ohio  45409-0342

 

The efficacy of a social media message

The message below followed an exchange in social media.  Some of the links in the message use the nofollow link attribute.

From: Greg Fisher [mailto:greg@pagea2.com]
Sent: Friday, January 04, 2013 2:10 PM
To: Jim Robertson, managing editor, Columbia Daily Tribune
Cc: Henry J. Waters III, editor & publisher emeritus, Columbia Daily Tribune; Vicki Russell, publisher, Columbia Daily Tribune
Subject: The efficacy of a social media message

Your correction states that your writer’s column “incorrectly implied employers access applicants’ credit scores.”

However, the item still states: “Credit scores are one of life’s most important benchmarks. They help qualify your financial picture for a financial institution, an employer or an insurance company.”

What did your editor do to this piece before it was published?

Who reviewed it after I contacted you?

Could we agree on a definition of implied?


Greg Fisher
Page A2
pagea2.com
PO Box 342
Dayton, Ohio  45409-0342

848 credit score disclosure

Here is a message from a reporter for the Cleveland Plain Dealer who claims that the newspaper’s story about a person with an 848 credit score is accurate.  However, based on the message, the story appears to be inaccurate.

Twitter message:  848 credit score disclosure was from Bank of America

What you won't see on Twitter

The article states that a credit score disclosure–with nonsense about a person’s 848 credit score being higher than itself–was provided by a credit bureau.  But, the message above indicates that the disclosure came from a credit card issuer.

 

Pittsburgh Post-Gazette corrections page blank, Block Communications

From: Greg Fisher [mailto:greg@pagea2.com]
Sent: Wednesday, August 22, 2012 9:16 AM
To: Allan Block, chairman, Block Communications (via K. Franck); John Robinson Block, publisher and editor-in-chief, Pittsburgh Post-Gazette
Cc: Heather Murray, manager, Education and Resource Development, Advantage Credit Counseling Service, Inc.; Susan Keating, president & CEO, National Foundation for Credit Counseling; Tim Grant, reporter, personal finance, housing and banking, Pittsburgh Post-Gazette
Subject: credit score, inquiries, Block Communications, Advantage Credit Counseling Service (dba Consumer Credit Counseling Service)

See this message and your response at http://pagea2.com/pittsburgh-post-gazette-corrections-page-blank-block-communications/.

You published

Also, be aware that the employer must have your written authorization to check your credit report prior to doing so. You can refuse the credit check, but it’s likely you will be ruled out as a candidate for the position. The credit check also will show up as a hard inquiry on your credit report, which may have a slight impact on your credit score.

In the comment section of the article, Chuck Burnett of www.creditreporting.com points out, correctly, that credit report inquiries made by employers do not affect credit scores.

Who is your source?

On your corrections and clarifications page, you state: “Corrections and clarifications of work published on post-gazette.com can be found posted to the bottom of the stories. The text of those corrections and clarifications will also be displayed here for several days for reader convenience.”

The space below that passage is blank.


Greg Fisher
Page A
pagea2.com
PO Box 342
Dayton, Ohio  45409-0342

 


From: Greg Fisher
Sent: Monday, January 31, 2011 6:36 PM
To: Tim Grant, reporter, personal finance, housing and banking, Pittsburgh Post-Gazette
Subject: RE: credit score, employers, Pittsburgh Post-Gazette, anonymity

Please answer the question.  Or, do you intend to use anonymous sources?


Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio  45409-0342

 


From: Tim Grant
Sent: Monday, January 31, 2011 4:52 PM
To: greg@creditscoring.com
Subject: RE: credit score, employers, Pittsburgh Post-Gazette

Greg — Sorry for the very delayed response, but I’m been swamped with urgent assignments and projects. From what I understand based on the research I’ve done, a bankruptcy or a very low credit score can impact a person’s security clearance for certain government jobs. Tim

Tim Grant
Staff Writer
Pittsburgh Post-Gazette
(412) [phone] (work)
(412) [fax] (fax)
[email address]
http://www.post-gazette.com

 


From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Thursday, January 06, 2011 11:03 AM
To: Tim Grant
Subject: RE: credit score, employers, Pittsburgh Post-Gazette

Regarding a citizen’s credit score, you wrote, “It affects every area of personal finances as far as the interest rates paid on loans, premiums for insurance and in some cases whether or not someone qualifies to work in certain career fields.”

Who is your source regarding credit score use by employers?


Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio  45409-0342

 

correction policy, Philadelphia Inquirer

From: Greg Fisher [mailto:greg@pagea2.com]
Sent: Tuesday, August 14, 2012 10:14 PM
To: Bill Marimow, editor, Philadelphia Inquirer, Philadelphia Media Network Inc.; Reid Kanaley, columnist, Philadelphia Inquirer
Cc: Laura D. Adams, personal finance expert, Quick and Dirty Tips; Stacy Johnson, CPA, executive producer, publisher, president, journalist, Money Talks News; Jeff Gelles, columnist, Philadelphia Inquirer; Gail MarksJarvis, personal finance columnist, Chicago Tribune; Sam Zell, Tribune Company
Subject: correction policy, Philadelphia Inquirer

Mr. Marimow, please forward this message to Robert Hall of Interstate General Media L.L.C.

See this message and your response at http://www.pagea2.com/correction-policy-philadelphia-inquirer/

You published, “The Money Girl website includes this post by Laura Adams, with tips for raising a score.”

Your link leads to a page on which Adams states, “Your score indicates your creditworthiness to potential lenders, banks, landlords, insurance companies, and even to some employers, for instance.”

Your link to MoneyTalksNews goes to a page that states, “Much like your final grade summarized your command of a course in school, your credit score is the distillation of everything in your credit history,” Stacy [Johnson] wrote in 5 Reasons We Need Free Credit Scores Now.”

The link in that sentence leads to a page where Johnson claims: “It’s no exaggeration to say your credit score can change your life. This single number can determine whether you get a job or own a home.”

In another article, your reporter wrote, “There’s no simple answer, because lenders and others who use credit scores – such as insurance companies and employers – use the data differently.”

And finally, you also published, “Because employers and landlords have access to the scores, they can determine who gets an apartment or even a job.”

Employers do not use credit scores because they cannot even get them.  Who is your source regarding credit score use by employers?

What is your correction policy?


Greg Fisher
Page A2
pagea2.com
PO Box 342
Dayton, Ohio  45409-0342

 

Credit score viral rumor published by Tribune furthered by credit score company, itself

[next email]

From: Greg Fisher [mailto:greg@pagea2.com]
Sent: Monday, June 04, 2012 11:33 AM
To: Sam Zell, Tribune Company; Sam Zell, Tribune Company (alt)
Cc: László Hajmási, DailyRumor.org; Barry Paperno, FICO; Craig Watts, Fair Isaac; John Ulzheimer, The Ulzheimer Group; Jane Hirt, vice president, managing editor, Chicago Tribune; Gary Weitman, SVP, corporate relations, Tribune Company; Elliot Raphaelson, columnist, Tribune Media Services, Tribune Company; Carolyn Bigda, columnist, Chicago Tribune; Gerould W. Kern, senior vice-president and editor, Chicago Tribune
Subject: RE: credit score, utilization ratio, Chicago Tribune II

Credit score expert John Ulzheimer calls the overstatement of the importance of credit utilization ratio a myth.  Now there is a copy of your inaccurate article on—get this—DailyRumor.org.

Oh, the irony.

And, there is even a link to your piece on the myFICO Facebook page.

Oh, the ultimate irony.


Greg Fisher
Page A2
pagea2.com
PO Box 342
Dayton, Ohio  45409-0342

 

From: Greg Fisher [mailto:greg@pagea2.com]
Sent: Friday, May 18, 2012 3:57 PM
To: Carolyn Bigda, columnist, Chicago Tribune
Subject: credit score, utilization ratio, Chicago Tribune

In error, you wrote, “Sixty-five percent of your score depends on just two things — your payment history and the amount you borrow compared with the total credit available to you (what’s known as a credit utilization ratio).”

That may be what Wikipedia says, but you are incorrect.  See http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx.  The proportions of credit lines used and installment loan amounts still owing are only two of 6 items in the category that makes up 30 percent of the score.  Indeed, the number of accounts with balances is in that category, but has nothing to do with any ratio.

Where will the correction appear?


Greg Fisher
Page A2
pagea2.com
PO Box 342
Dayton, Ohio  45409-0342

 

Comcast/Microsoft errors, corrections and clarifications

From: Greg Fisher [mailto:greg@pagea2.com]
Sent: Wednesday, May 16, 2012 10:52 AM
To: Brian L. Roberts, chairman and CEO, Comcast Corporation (via Adam Miller, EVP, Corporate Affairs, NBCUniversal, Comcast); Bill Gates, chairman, Microsoft (via Waggener Edstrom Worldwide)
Cc: Herb Weisbaum, The ConsumerMan, MSNBC.com (MSNBC Interactive News LLC), NBCUniversal, Comcast; Jim Bell, executive producer, TODAY, NBC News, Comcast; Charlie Tillinghast, president and publisher, MSNBC.com, Comcast / Microsoft
Subject: The ConsumerMan, MSNBC.com, errors, corrections and clarifications

You published: “Your credit score, which is based on your credit history, can have an enormous effect – positive or negative – on your life. That score is used by employers, lenders, landlords and insurance companies. A good score could save you thousands of dollars a year in interest. A bad score could cost you a job or a loan.”

Employers do not use credit scores.  Consumer reporting agency Experian states: “Experian’s Employment Insight report includes similar information about loans and credit cards that is listed in the credit report. It does not include year of birth, spouse reference, account number or credit score, which are irrelevant to hiring decisions.”

Where do your corrections appear?


Greg Fisher
Page A2
pagea2.com
PO Box 342
Dayton, Ohio  45409-0342

Source changed his story

From: Greg Fisher [mailto:greg@pagea2.com]
Sent: Friday, April 27, 2012 10:55 AM
To: Thomas S. Monson, president, Church of Jesus Christ of Latter-day Saints (via L. Kirkland); Henry B. Eyring, first counselor, First Presidency, Church of Jesus Christ of Latter-day Saints; Dieter F. Uchtdorf, second counselor, First Presidency, Church of Jesus Christ of Latter-day Saints; Christopher M. Lee, EVP and publisher, DeseretNews.com, Church of Jesus Christ of Latter-day Saints; Chris Higbee, general manager, DeseretNews.com, Church of Jesus Christ of Latter-day Saints ; Rick Hall, managing editor, Deseret News, Church of Jesus Christ of Latter-day Saints; Lois M. Collins, reporter and columnist, Deseret News, Church of Jesus Christ of Latter-day Saints; Clark Gilbert, president and CEO, Deseret News Publishing Company and Deseret Digital Media, Church of Jesus Christ of Latter-day Saints; Mary McConnell, member, Editorial Advisory Board, Deseret News, Church of Jesus Christ of Latter-day Saints
Cc: Blaze Bullock, business reporter, Deseret News, Church of Jesus Christ of Latter-day Saints
Subject: RE: credit score, employers, Church of Jesus Christ of Latter-day Saints II

Please correct your stories.

Employers do not use credit scores (click on “Bad credit doesn’t impact candidates getting hired”).

News Corporation changed its sentence referring to the Society for Human Resource Management (replacing the word scores with reports), leaving you twisting in the wind.


Greg Fisher
Page A2
pagea2.com
PO Box 342
Dayton, Ohio  45409-0342


From: NewsMedia
Sent: Wednesday, April 25, 2012 5:46 PM
To: Greg Fisher
Subject: Automatic reply: credit score, employers, Church of Jesus Christ of Latter-day Saints

Thank you for your email. News media requests received through this contact form are forwarded to media relations staff. Please be aware that the contact information provided on MormonNewsroom.org is for news media only. We are unable to address or respond to other inquiries through this site.

To provide general feedback, please use this link or go to MormonNewsroom.org and click on “Feedback.”

[previous message]

What does it take to get a media correction or clarification?

From: Greg Fisher [mailto:greg@pagea2.com]
Sent: Wednesday, April 25, 2012 5:46 PM
To: Thomas S. Monson, president, Church of Jesus Christ of Latter-day Saints (via L. Kirkland)
Cc: Blaze Bullock, business reporter, Deseret News, Church of Jesus Christ of Latter-day Saints
Subject: credit score, employers, Church of Jesus Christ of Latter-day Saints

This is an experiment to determine how few characters it takes to elicit a correction or clarification and how long it takes for the change to occur.


Greg Fisher
Page A2
pagea2.com
PO Box 342
Dayton, Ohio  45409-0342

Chicago Tribune, errors and corrections

From: Greg Fisher [mailto:greg@pagea2.com]
Sent: Friday, April 20, 2012 11:11 AM
To: Sam Zell, Tribune Company; Gerould W. Kern, editor, Chicago Tribune; Jane Hirt, managing editor, Chicago Tribune; Mary Elson, managing editor, Tribune Media Services
Cc: Mortimer B. Zuckerman, chairman, Executive Committee, editor-in-chief, U.S. News & World Report (via Liz Putze); Daniel Bortz, reporter/editor, Personal Finance, U.S. News & World Report
Subject: RE: credit score, employers, U.S. News, Chicago Tribune

See this message and your response at http://www.pagea2.com/chicago-tribune-errors-and-corrections/.

You published a U.S. News & World Report item that states, “Even job applicants can have their credit scores pulled by employers, as a means of determining if they’ll be a risky hire for the company.”

On the contrary, your website also states: “Similar to the reports that a consumer can obtain for free each year through credit-reporting agencies, employers receive a report that lists debt. The reports do not, however, give an applicant’s credit score.”


Greg Fisher
Page A2
pagea2.com
PO Box 342
Dayton, Ohio  45409-0342