When we know what's going on we can change it.




The more we know, the better ideas we have.




The more objective thinking we do the better decisions we make.




We all live together and and depend on each other.


The FICO score you pay to see from credit rating agencies is NOT your FICO score. Federal law mandates you can get a copy of your credit report for free once a year from the three major credit reporting agencies - this does not include the three-digit numerical score that lenders use to summarize your credit worthiness. To get that, you have to pay the ratings agencies. EXCEPT, that what you receive is not really the FICO score; it is a substitute number that the raters call an "educational" number. So lenders pay and get the real credit score, while you pay and still cannot get your own real credit ranking score.

“Some false representations contravene the law; some do not. The law does not pretend to punish everything that is dishonest. That would seriously interfere with business.” ― Clarence Darrow

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