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CreditCourt Forum » Baker v. Fair Isaac, CRAs , American Agencies, Pacific Bell ... » Exhibits » FRB Richmond & James McAfee: Exhibits AL - AN « Previous Next »

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Exhibit AL: 1-30-03 fax to James McAfee
Mr. McAfee ignored my fax
Christine03-02-04  11:44 pm
Exhibits AM: The speadsheets with the B/L Ratio
Can YOU calculate your B/L ratio? Give it a try!
Christine03-02-04  11:38 pm
Exhibit AN-1: My B/L ratio according to the CIC tri-merged report
Should be 38%, is 42%, 43% and 65%.

CIC reports 96% and 98% B/L ratios!
Christine03-02-04  11:51 pm
Exhibit AN-2: 2/28/04 letter to CIC attorney Courtney Vaudreuil
I'm asking about the missing LIMITS, missing soft inquiries and the incorrectly reported as "unrated" TU accounts and request the exact numbers and formulas for the RIDICULOUS ratios of the CIC reports.
Christine03-03-04  12:58 am
Exhibit AN-3: The 2/27/04 CIC incorrect and incomplete tri-merged (...
P. 1 to 11 of the annotated scanned tri-merged credit report. With the missing Capital One LIMITS, not a single soft inquiry, and several incorrectly "unrated" Trans Union tradelines that are NOT "unrated", but "paid as agreed" on the reports supplied by Trans Union.
Christine03-01-04  06:22 am
Exhibit AN-3 Part 2: The 2/27/04 CIC credit score explanations
Scanned pages 11 - 25 with all three snake oil scores and the bizarre explanations and calculations. My B/L ratios are 96% and 98%!
Christine03-01-04  07:00 am
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Christine
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Username: Christine

Post Number: 1882
Registered: 09-2002
Posted on Monday, March 01, 2004 - 06:04 am:   Edit Post Delete Post Print Post    Move Post (Moderator/Admin Only)

EXHIBITS AL – AN

Federal Reserve Bank of Richmond and James McAfee, Senior VP and General Counsel


EXHIBIT AL - Plaintiff’s 1/30/03 fax to James McAfee

1) 1/30/03 – Plaintiff’s fax to Mr. McAfee, inquiring whether he received the power of attorney and requesting an update. No reply was received.


EXHIBIT AM - Plaintiff’s spreadsheets from her web site with Balance/Limit Ratio calculations.

1) Readers can save this spreadsheet at http://creditcourt.org/BL-ratio.xls or use it on the web to calculate their OWN balance/limit ratio.

2) This analysis from plaintiff’s web site at http://creditcourt.org/BL-ratio-Nissan.xls is based on a 3/1/03 Fair Isaac credit report and score with a 77% ratio due to the Capital One refusal to report the credit limit and Nissan incorrectly reporting (verified on dispute) a 5 year old auto loan charge-off as “revolving” and with an incorrectly low limit.

The calculations illustrate how important seemingly insignificant data can be and the possible ratios range from 16% to 77%.


EXHIBIT AN - Plaintiff’s letter to CIC (Experian) about the missing limits, the spreadsheet with her own Balance/Limit Ratios and the 2/27/04 ConsumerInfo.com (CIC) tri-merged report with the bizarre CIC scores.

1) 2/27/04 - Plaintiff’s spreadsheet with the calculations for her own B/L Ratios, the actual ratio based on her limits and the ratios based on the 2/27/04 CIC report.

2) 2/28/04 – Plaintiff’s letter to Ms. Vaudreuil, attorney for Experian and ConsumerInfo.com, inquiring why the limits STILL are not reported, how the CIC snake oil score explanation derive the bizarre ratios of 96% for Equifax and 98% for Trans Union. Plaintiff also inquires why several accounts are reported as “unrated” for Trans Union despite its claim that they do not report the accounts as unrated.

3) 2/27/04 – Plaintiff’s incomplete and incorrect CIC tri-merged credit report with all 3 CIC snake oil scores and the ridiculous and bizarre calculations and explanations.

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