Say Anything Blog

Where’s our source authority on FICA--diane?  Surely she can clear this up for us, right?

Regards…

What was the translation of FICA, again?

LoadTheMule said, Where’s our source authority on FICA--diane? Surely she can clear this up for us, right?

Please,..for the sake of this blog’s health - leave it alone. The bitch is gone.

Or is she back?

Who knows...her word is shit.

For the sake of FICO, can we just let this thread die?

I personally volunteer to drive a stake through its heart.  It keeps rising from the dead, so that must be the required remedy.

Whatever it takes, man.  Whatever it takes.  Just make it swift and very very painful.

Please,..for the sake of this blog’s health - leave it alone. The bitch is gone.

Sorry, I got carried away.  I do so like to see ‘em hoist on their own petard.  And if you think she’s gone, you’re waaaaay too optimistic.

Regards…

PS--And please don’t call her a bitch.  You know how that sets her off.

Yea, there are so much more descriptive nomenclature to use.

You’d think a moron supposedly owning a mortgage co. for 25 years would have heard of fica scores when they’re prominantly mentioned on the “A FICO score” website, wouldn’tcha????  Oh well, once more:

More than one fica score
In general, when people talk about “your score”, they’re talking about your current FICO score. However, there is no one score used to make decisions about you. This is true because:

Credit bureau scores are not the only scores used.
Many lenders use their own fica scores, which often will include the FICO score as well as other information about you.

FICO credit scores are not the only credit bureau scores.
There are other credit bureau scores, although FICO scores are by far the most commonly used. Other credit bureau scores may evaluate your credit report differently than FICO credit scores, and in some cases a higher score may mean more risk, not less risk as with FICA credit scores.

Your FICO credit score changes over time.
As your data changes at the credit reporting agency, so will any new score based on your credit report. So your FICO credit score from a month ago is probably not the same fica score a lender would get from the credit reporting agency today.

*********

It is because of sheer, unadulterated ignorance such as that shown by ‘mortgage co. owner’ Batty and ‘loan rep to the 5th largest mortgage co. in the country (which was that again Mule?), that I must continue to try to educate them, for the sake of the poor real estate agents and brokers who are on the receiving end of their incompetence.

I want to be sure to call your home office, Mule.
Tel # please.

See?I told you guys. Just say it’s name 3 times.

Oh, and Dhimi, your incapable of educating anyone. You made a simple spelling mistake and dug this grave for your self. One sentence would have abrogated all of this, and actually given you a modicum of credibility. Oh, and 178 is my weight, stupid.

Hey, fat boy, I’m not the one who brought it up.  Blame your incompetent friend.

You made a simple spelling mistake and dug this grave for your self.

In case I didn’t spell it right the first time (which I did), here it comes again.

FICA SCORES.
fica scores
FICA CREDIT SCORES
fica credit scores

Pop your head back in the oven, Poppin’ Fresh; I love the smell of freshly baked soft dough.

By the way ‘anyone’:

How is it possible to just skip over things like what I just posted?  I guess the heat from the oven could have melted fatty’s brains, but the rest of you are either just entirely clueless and stupid or wilfully blind.

I probably made more money in real estate brokerage and investing than most of you put together.  If no one used fica scores as a term I would have GLADLY admitted a mistake (I’ve admitted mistakes here before and apologized) LONG ago.  I just refuse to be intimidated by a bunch of know nothing morons who like to act like bullies.

Cheerio.

P.S.  Batty, my husband just walked into one of hte banks we have credit lines with the other day and mentioned our ‘fica scores’.  Guess what??  No one jumped up and said “GOTCHA!!!!  IT’S FICO!!!”.  Why?  Not to offend my husband or overlook his ‘naivete’, but because anyone worth their salt for any time at all in the banking/lending/real estate/mortgage industry understands the terminology is referring to credit scoring and NOT ALWAYS FICO either.

So, take a laxative, lay down, and soon you’ll feel much better.

Just one more teensy thing, Batty.  You had better become less romantically involved with that FICO term and study up on Vantage or you will be left behind.  And, we all know you are already behind enough.

See? It can not, even now, admit to a simple mistake in spelling.

HotelBot.

I made a simple mistake in spelling there.

It should have been simply Boy.

Boy, as in ex Marine, fat boy, dimwit, Poppin’ Fresh, foul-mouthed, buttinski, hateful braindead, angry, gun under pillow, piss-ant.

There’s something about ex-military.  They just all smell the same.

Diane,

That your “explanation” above is pure, unadulterated bull shit is obvious to anyone with a modicum of common sense and a room temperature IQ.  As such, it isn’t worth commenting on… at least not beyond a snide chuckle at your ineptitude.  Apparently your taking a few days off didn’t do you nearly as much good as it did the rest of us.

It is instructive, though, that once again you are the first one to start the name calling.  Hardly surprising.

How is it possible to just skip over things like what I just posted?

It is actually quite easy.  Just as easy as ignoring your incessant whining that someone else called you a foul name first.  Or your make believe real estate career.  Or you husband’s trips to the bank (picking up the bad checks?).  Or any of the other tediously inane and mostly hateful tripe you post here.

The fact of the matter is you spend more time and bandwidth on pointless, self-serving crap of less interest or substance than anyone else here.

So next time you’re tempted to start in with that “oh poor me… those big, nasty bullies are calling me names” routine, don’t bother.  We’ve heard it all before, and nobody much gives a shit anyway.

GI, not Jarhead, stupid cunt.

TwoHotelNiner,

Nice timing!

Translation of FICA?  Anyone?  Anyone?

Again, diane.  Three simple things.  Please respond.

1 - What does the acronym ‘FICA’ stand for?

2 - Since you call it a ‘credit score’, how does it differ from FICO?  Simply show us where we can find the ‘FICA’ score sheet.

3 - List one or two major lenders who use FICA in lieu of FICO.

Tell us, please.  That’s all you need do.  But then you won’t.  You’ll talk about how you’ve answered it all before and don’t have time and we’re not worthy of the effort, ad infinitum.  We know the drill, diane.

Regards…

Batty’s such a loser.

What part of what I said isn’t so, moron?

Name-calling?  Your subtle insult in the thread YOU started here (you’re really hung up on this, aren’tcha??  Hahahah) was what started it.  Let it go before you embarass yourself farther.

If you can’t understand what I posted, it might be best for you to stop trying to play Mr. Mortgage Company Owner and just be who you are...a loser who spends tons of time every day posting about things he knows absolutely nothing about.

Bad checks?  LOL.  Our FICA scores are in the excellent range, Batty Boy.  How are yours?

Hahahahaha.  Such insecure losers.

Apparently you don’t ‘know the drill’ Mule.

What I need from you is your corporate office (name of your co.) so I can go up as high on the ladder as possible and discuss this with, hopefully, someone much smarter and more knowledgeable than you are, get their name and then report back here on what they had to say about using FICA as a term for credit scoring.

Waiting.

Hahahaha.

The good part is, we have our own thread now to discuss the topic.

Ain’t life grand??? 

CitiMortgage, diane.  Let Me know what Bill Beckmann has to say about FICA.  I already know.

In the meantime, just respond to the 3 things I mentioned.  But no, you won’t do that--you can’t.  Oh wait--that’s right, you’ll say you can but you choose not to.  Like always.

Regards…

I’ll call CitiMortgage Monday, Mule.

In the meantime, you idiots tout FICO as the only credit scoring system.  Just a couple of sites to inform you further:

Equifax and Fair Isaac teamed up to provide consumers with their FICO credit scores. The other two credit bureaus, TransUnion and Experian, decided instead to sell to consumers a score that was similar — but not the real McCoy — to the FICO score.
“The confusion and irritation of (consumers) (AND APPARENTLY PEOPLE IN THE MORTGAGE BUSINESS THESE DAYS AS WELL..LOL) is understandable,” said Craig Watts, public affairs manager for Fair Isaac. “It could be avoided if Experian, TransUnion and their various consumer Web sites would only be upfront to consumers about the nature of the consumer scores they sell — they aren’t FICO scores, they aren’t widely used (if used at all) by lenders. They are at best someone’s estimate of what the consumer’s true FICO score is.”

To be fair, Experian and TransUnion do have disclaimers that inform consumers that the scores they provide aren’t FICO scores. But the information is buried in fine print that many people probably don’t notice. When you order your credit score from the three bureaus, here’s what you’re getting:

Equifax’s credit score is called “Score Power.” Even though this uses the FICO scoring mode, you may get a different score than one pulled by a lender because the information in your credit file is constantly changing, which means your score can change as well. The score you get this week may not be the same score a lender would get from the credit reporting company the next week.

Experian calls its credit score product “PLUS Score” and is based on factors similar to but not the same as FICO. The PLUS Score ranges from 330 to 830.

TransUnion’s credit score product is also not a FICO score, but based on the bureau’s own proprietary scoring model, which is why the Los Angeles reader’s score was outside the FICO range.

I think the key message here is that until there is one uniformed credit scoring system, consumers will continue to be confused and probably be forced to buy more than one score from one source to get a rounded picture of their credit standing.

From Michelle Singletary at the Washington Post

Another?

From About.com:

How are credit scores calculated?
Credit scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don’t necessarily use the same scoring software, so don’t be surprised if you discover that the credit scores they generate for you are different.

Why are credit scores sometimes called FICO scores?
The software used to calculate a great number of credit scores was created by Fair Isaac Corporation--FICO.

*********

Now, I could probably pull up posts from Batty saying that would contradict what these folks say.

My bottom line is that realtors for years used the term FICA for credit scores (some still do if they’ve been in real estate for a long period of time).  FICO became more popular about a decade ago, according to a lender I spoke with here about this insanity you morons keep wanting to pursue.

Now, I’m going to end it for tonight.

I have met some really stupid men in my life, but you go way beyond what I knew was out there.

I’ll also be sure to tell the most senior person I can get through to at CitiMortgage that one of their loan reps is not only rude but insists that there is no other terminology for credit scoring other than FICO. 

That he knew nothing about Vantage, and didn’t know that credit scores consist of more than simply using FICO software, and that many lenders have other parameters than FICO when developing their credit scores.

I’ll tell the person they might want to do more of a job in not only public relations but in general information before sending loan reps out into the field to embarass themselves or to be rude and obnoxious.

*yawn*

Your shtick is growing old and shopworn, diane.  You do whatever you please.  Since you’re obviously not going to answer the reasonable questions posed--have never answered them--the discussion is at an impasse.  Burt then, that’s what you’ve wanted all along.

I have met some really stupid men in my life, but you go way beyond what I knew was out there.

That’s because you couldn’t find a clue, in the middle of a clue field, at the height of clue hunting season, if you smeared your body with musk and did the clue-mating dance, diane.

Regards…

That he knew nothing about Vantage, and didn’t know that credit scores consist of more than simply using FICO software, and that many lenders have other parameters than FICO when developing their credit scores.

I didn’t say lender don’t have criteria other than FICO scores, diane.  I said there is no FICA scoring system--as in it replaces or replicates FICO...which is what you originally claimed.  But then, you know all that.  You’re just grasping at straws, being intentionally evasive and obtuse, because you know you can’t define--much less defend--a ‘FICA’ score as if it had a commonly accepted meaning.

Oh, and one more thing:

I’ll tell the person they might want to do more of a job in not only public relations but in general information before sending loan reps out into the field to embarass themselves or to be rude and obnoxious.

a) Whatever makes you think I’m a loan rep? and b) I’m only rude and obnoxious to you.  Tit for tat, as it were.

Regards…

Hahahha!!  No, all of you are rude and obnoxious to anyone who disagrees with you.

And we are not at an impasse at all.  You are simply backing away.

What I have CONSISTENTLY said...from the beginning and to this day, is that using the term fica when speaking of credit scores is fine and dandy and is recognized by experienced lenders (obviously Batty isn’t).  It’s also used to this day, even though FICO (ONE scoring system) is more common in the last decade.

THAT’S what I’ve been saying and you know it.

You are just a stubborn oaf who wanted to try to bully me into backing down.  And if Batty Boy had not been such a jerk on his first post to me, and then consistently LIKE THIS THREAD pounded away at it, I would have let it go long ago.

See you Monday or Tuesday, same time, same place (this thread) with the results of my talk and the name of the person I spoke with at CitiMortgage.  Already looked up the number.

Have a nice weekend.

diane: Until you translate FICA, nothing you say has any credibility on the matter.  You continue to claim something that you can’t back up.  Everyone knows the FICO score is the combination of Equifax, TransUnion and Experian, because those three agencies use slightly different criteria for evaluation.  You fail to give the only piece of info that might back up your assertion: the translation of FICA.  Put up or shut up.

You’re not part of this Robert.  You’re ‘out of the loop’.

Monday or Tuesday then, loan boys.

robert108,

She can’t. She won’t.  This just proves again--as if we needed an ‘again’--that she’s just another troll.

Regards…

Retreat in disorder. Another defeat in a fight it could so easily have avoided, simply by saying"ops, wrong abreviation”. Like I said before, like shooting fish nailed to a plank.

diane: So you can’t then.  Not unexpected.  Your credibility(pun intended) disappeared on this blog a long time ago.  You have no integrity, it seems.

CitiBank says FICA is correct:
As suggested by Load The Mule, I got in touch with Bill Bennett’s office and told them about what had been said on the blog re: what Bill Bennett ‘I know what he would say, Diane’ would say and that FICA was a wrong term for credit scoring.  They told me at that time (what, about 2 weeks ago?) that they would check into it.
I have the name of the person who sent me this, but will not post it without first receiving their permission.  I’m sure Load The Mule would know what the person is, as this person was given to me when I called Bill Bennett’s office by his secretary as the one who would know.  This is what I received via email just now:

We want to sincerely apologize that you have been the target of someone claiming to be an employee of CitiMortgage.  We are looking into the incident and if we find it was indeed one of our employees, we will handle the situation accordingly.  Please understand that the behavior is not something that is reflective of CitiMortgage.  You are correct that both terms are used.  Unfortunately blogs are not edited by someone to check facts before items are posted, they are a forum for people to speak what is on their minds.  We appreciate you bringing this to our attention ......Thank you.