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Tag: Credit bureau

I Am My Own System Of Record

An email signature I have used from time to time for nearly 7 years reads “John Philpin - I Am My Own System Of...

To Understand Mortgage Default Rates, Ask These Three Questions

We did a double take when a presenter at a recent conference declared that the mortgage default rate is 6.5 percent. We had just...

The Rise Of Mortgages: Too Much House?

Economists sometimes argue that more choices must either be neutral or good. The logic is that if you don't want any of the additional...

Do Good Renters Deserve Good Better Credit Scores?

For many consumers, a confusing part of trying to get a loan is the way that credit begets credit. Banks want to lend to...

Experian Sold Consumer Data to ID Theft Service

An identity theft service that sold Social Security and drivers license numbers — as well as bank account and credit card data on millions...

The Hidden Credit Report That Shuts People Out of the Banking...

Jessica Silver-Greenberg at the New York Times has an important account of how a system created by banks to catch scam artists like check-kiters...

Success Is Being Brave Enough to Trust Yourself

As a commercial designer, a number of things excite me creatively and motivate me to make great work: the opportunity to create for an...