credit bureau

For the first time since the installation of the FICO credit bureau based scoring system in 1989, 35% of the population is now scoring below 650.

Shortly after surviving the death of her husband and a life-threatening medical crisis, Ann Howe of Seattle decided to refinance her home mortgage.

Everything went smoothly until the bank informed her that the refinance couldn't be completed because the credit bureau Experian was convinced that she was dead.