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What’s a predictive score?

Most consumers know that creditors use information about them and their credit experiences – like the number and type of accounts they have, their bill paying history, and whether they pay their bills on time – to create a credit score, which helps predict how credit worthy they are. (And if they don’t, they can learn about credit scores at the FTC’s Consumer Center.) What most consumers don’t know is that data brokers offer companies scores for other purposes unrelated to credit – for example, for marketing, advertising, identity verification, and fraud prevention. Businesses use these scores to decide which transactions require further scrutiny, what offers and prices to offer certain consumers, and even in what order to answer a consumer’s customer service call.

Spring Privacy Series logo

What’s a predictive score?

Most consumers know that creditors use information about them and their credit experiences – like the number and type of accounts they have, their bill paying history, and whether they pay their bills on time – to create a credit score, which helps predict how credit worthy they are. (And if they don’t, they can learn about credit scores at the FTC’s Consumer Center.) What most consumers don’t know is that data brokers offer companies scores for other purposes unrelated to credit – for example, for marketing, advertising, identity verification, and fraud prevention. Businesses use these scores to decide which transactions require further scrutiny, what offers and prices to offer certain consumers, and even in what order to answer a consumer’s customer service call.

Spring Privacy Series logo

Check, please? Background check, that is.

So, you’re about to begin a new job search, and you’re ticking items off your to-do list.

  • You’ve set up an online account so you’ll know about new job openings.
  • You’ve polished your resume — and your shoes.
  • You’ve run through some possible interview questions with a friend.

Have you requested your annual credit report from www.annualcreditreport.com?

two people shaking hands over a desk

Blog Topics: 
Jobs & Making Money

Check, please? Background check, that is.

So, you’re about to begin a new job search, and you’re ticking items off your to-do list.

  • You’ve set up an online account so you’ll know about new job openings.
  • You’ve polished your resume — and your shoes.
  • You’ve run through some possible interview questions with a friend.

Have you requested your annual credit report from www.annualcreditreport.com?

two people shaking hands over a desk

Blog Topics: 
Jobs & Making Money

Check, please? Background check, that is.

So, you’re about to begin a new job search, and you’re ticking items off your to-do list.

  • You’ve set up an online account so you’ll know about new job openings.
  • You’ve polished your resume — and your shoes.
  • You’ve run through some possible interview questions with a friend.

Have you requested your annual credit report from www.annualcreditreport.com?

two people shaking hands over a desk

Blog Topics: 
Jobs & Making Money

Check, please? Background check, that is.

So, you’re about to begin a new job search, and you’re ticking items off your to-do list.

  • You’ve set up an online account so you’ll know about new job openings.
  • You’ve polished your resume — and your shoes.
  • You’ve run through some possible interview questions with a friend.

Have you requested your annual credit report from www.annualcreditreport.com?

two people shaking hands over a desk

Blog Topics: 
Jobs & Making Money

Check, please? Background check, that is.

So, you’re about to begin a new job search, and you’re ticking items off your to-do list.

  • You’ve set up an online account so you’ll know about new job openings.
  • You’ve polished your resume — and your shoes.
  • You’ve run through some possible interview questions with a friend.

Have you requested your annual credit report from www.annualcreditreport.com?

two people shaking hands over a desk

Blog Topics: 
Jobs & Making Money

From Las Vegas to the world

Earlier this week, law enforcement, legal services attorneys, consumer advocates and nearly 120 other people found common ground in Las Vegas. The Federal Trade Commission put together “Protecting Nevada’s Consumers: A Common Ground Conference” to discuss the consumer protection issues facing Nevadans. What did we learn? That Nevadans face some unique challenges – but many more are the same kinds of challenges we see across the region and country.

From Las Vegas to the world

Earlier this week, law enforcement, legal services attorneys, consumer advocates and nearly 120 other people found common ground in Las Vegas. The Federal Trade Commission put together “Protecting Nevada’s Consumers: A Common Ground Conference” to discuss the consumer protection issues facing Nevadans. What did we learn? That Nevadans face some unique challenges – but many more are the same kinds of challenges we see across the region and country.

From Las Vegas to the world

Earlier this week, law enforcement, legal services attorneys, consumer advocates and nearly 120 other people found common ground in Las Vegas. The Federal Trade Commission put together “Protecting Nevada’s Consumers: A Common Ground Conference” to discuss the consumer protection issues facing Nevadans. What did we learn? That Nevadans face some unique challenges – but many more are the same kinds of challenges we see across the region and country.

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