More FICO Scoring Scams

By Bill Kirkendale 

William Kirkendale

Coto de Caza, CA - Now it seems we have a whole bunch of new phony FICO scores to contend with. More money in the bank for  the ultimate scam artists the FICO score company. Let's see how bad this scam has now become.

You now have a separate FICO score for each of the following...

...

• Your Auto score
• Your Mortgage score
• Your Bank card score
• Your Installment loan score
• Your Personal finance score
• And finally your how you perform in bed score
  
  
  

As an American citizen I can't believe how far we've come in our ability to scam people with these kinds of outrageous schemes with complete immunity. No one watches these people and it seems no one cares about these people and all the damage they can do to destroy your personal reputation and moral character.

The fact is every single Score they put out is arrived at in a way that has nothing to do with the  truth or factual accuracy.  This is because all these scores are arrived at in secret and from phony algorithm formulas the FICO company made up out of thin air.

To read more you can go to Mr. Kirkendale's website 

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SoCAL underwater - don't blame the rain!

Posted By CotoBlogzz

Coto de Caza, CA – One in  four homeowners in Coto de Caza/Dove Canyon owe more on their loans than their homes are worth, according to a new analysis from real estate tracking firm Zillow

When homeowners walk away from their loans or pursue a short sale, something common in Coto de Caza/Dove Canyon,  they push home prices lower, feeding a cycle that has hampered the Southern California real estate market for years.

Rancho Santa Margarita, Ladera Ranch and Lake Forest and Tustin are even worse, with  35%, 37% , 29% and 30% under water, respectively, whereas Laguna Woods Village and Irvine fare much better at 17 and 18% respectively and Newport Beach at a very low 8%

Given these underwater figures,, the ponzi schemes  associated with the homeowners association in these communities makes it even more problematic for these homeowners.  In Her book, From: Villa Appalling!  Deatroying the Myth of Affordable Community Living, Author and LA Times columinist Donie Vanitzian writes:

"If the industry has its way, one association won’t be enough.  In fact, you may pay two or three associations, a master association and several sub-associations.  Bear in mind, you are paying all these association fees on top of your regular bills and mortgage payments.  This now looks like a Ponzi scam:  Associations on top of associations all paid for by the homeowner at the bottom of the pyramid."

RELATED STORIES

California has the lowest credit rating in the nation, according to new Pew Research Study:

"The states with the lowest grades typically have trouble keeping their spending in line with their tax revenues." Pew's Stephen C. Fehr writes in an explanation of the research

or as the far left's new ad might say:  It's a simple math problem!

Read more here: http://blogs.sacbee.com/capitolalertlatest/2012/07/california-has-nations-worst-credit-rating-pew-study-finds.html#storylink=cpy#storylink=cpy

Or 

The In Your Face Curmudgeon...A Provocative look at Modern Man's More Ridiculous Absurdities And what you can do About Them...

By
William Kirkendale

Coto de Caza, CA-  In America today it is unfortunate that you can't turn on the TV or pick up a newspaper without seeing a whole host of ridiculous absurdities taking place…The good old days of good old common sense it seems has long since departed our shores…The reason for this is fairly obvious.

When people are confronted with absurdities today they fold up their tent and go home. “Oh well”, they say “that's the way it is and there’s nothing I can do about it anyway”. This is why absurdities today run rampant and Amock. Nobody wants to  stand up and fight them. No one that is except me...

And who am I you ask? Well I am a 75 year old nutty curmudgeon who will fight absurdities until the day  I die. I don't make many friends doing this but I sure sleep well at night knowing that I tried to make the world a better place to live….You should all try it sometime. Here’s what you do.

When you are confronted with arrogance and absurdity you merely put on your fighting helmet and wade into the fray with vigor and common sense purpose. Here’s an example. Over the last ten years or so Americans have been raped and swindled by the entire banking industry.. As a result millions of people have lost their homes and their jobs. Here’s my question. Where was everybody when this was going on? I know where I was. I was writing a book about all this fraud and greed that unfortunately fell on deaf ears. While I couldn’t stop it I was able to sleep at night knowing I tried.

This is what we as Americans have to do today. We have to stand up and try to defeat the powers to be that want to destroy us or harm us. We can no longer just sit back and ignore the arrogance of power and its trail of misery and pain that it forces upon us. We have to drag out as individuals the old “Don’t Tread on Me” Flag and wave it in the face of all those who choose to oppress and enslave us to their evil will.

 
William Kirkendale
www.ficofraud.com
July 4th 2012

FICO, VANTAGE Scores & Joe McCarthy

By William Kirkendale

William Kirkendale

Question: What do FICO and VANTAGE so-called credit scores have in common with Joe McCarthy and his blacklist witch hunt era of the 1940's and 50's? They both willfully spread untrue lies and false information about people to ruin their good names and reputations. 

Which brings me to ask this question....Why do I, a man with a spotless credit history for over 50 years, have a -0- Very bad (F) rated FICO and VANTAGE credit score? Is it because I have bad credit? Is it because I don't pay my bills on time? Is it because I don't pay my child support? Is it because my house was foreclosed on? Or maybe it's because I didn't pay my ex-wife's alimony on time and she reported me to the credit bureau?

No my friends it was none of these things that caused me to have a bad (-0-) FICO/VANTAGE credit score. What caused me to have a -0- bad score was that I was the target and victim of a FICO VANTAGE score Joe McCarthy like witch hunt.  I had paid off all my 25% interest rate credit cards. I also had no other kind of debt because like a good retiree at age 75 I also paid all that debt off too. Therefore unlike the country of  Greece and the US government I was happily debt free. So what then was my crime?

My crime was very simple . I was being targeted, credit scored and held hostage by a bunch of con artists and phony tea leaf prognosticators who for their own massive greed and profit do this every single day to millions of unsuspecting American citizens. Just like in the old Joe McCarthy Hollywood blacklist witch hunt era of the 1940's and 1950's...And we wonder why there are no jobs in America and the economy is in the sewer...People who were falsely blacklisted and "SCORED" back then by his lordship Joe McCarthy the original FICO VANTAGE man couldn't get jobs either..

You can't have a vibrant American economy when the American public is being blacklisted and held hostage by the fraud and deceit of a few greedy, unseemly credit scoring companies. Frankly I think it's time to drag out our old "Don't Tread on Me" flag and send all these phony credit scoring companies packing......just like we did to his royal FICO VANTAGE highness senator Joe McCarthy  50 years ago....

o read more you can go to Mr. Kirkendale's website 

www.ficofraud.com