# Fico Score on The No Agenda Show Fico Score comes up in 18 chapters across 18 episodes of The No Agenda Show, from March 2010 to September 2022. - **Chapters:** 18 - **Episodes:** 18 - **Discussed:** March 2010 – September 2022 - **Related topics:** [Fico](https://search.noagendashow.net/topic/fico.md), [Credit Score](https://search.noagendashow.net/topic/credit-score.md), [Credit Karma](https://search.noagendashow.net/topic/credit-karma.md), [Experian](https://search.noagendashow.net/topic/experian.md), [Fair Isaac Corporation](https://search.noagendashow.net/topic/fair-isaac-corporation.md), [Citibank](https://search.noagendashow.net/topic/citibank.md), [Data Privacy](https://search.noagendashow.net/topic/data-privacy.md), [Debt](https://search.noagendashow.net/topic/debt.md), [Elizabeth Warren](https://search.noagendashow.net/topic/elizabeth-warren.md), [Equifax](https://search.noagendashow.net/topic/equifax.md) ## Chapters 1–18 of 18 ### Goldman Sachs Apple Card Losses and Subprime Lending - **Episode:** [1486: Truth Decay](https://search.noagendashow.net/episode/1486-truth-decay.md) - **Published:** 2022-09-15 - **Time:** 1:15:09–1:17:09 - **Transcript:** https://search.noagendashow.net/episode/1486-truth-decay/chapter/goldman-sachs-apple-card-losses-and-subprime-lending.md Goldman Sachs is experiencing a 2.93% net charge-off rate on the Apple Card, nearly double the rate of competitors like JPMorgan. Data reveals that 28% of Apple Card loans were issued to customers with FICO scores below 660, leading to significant defaults. Keywords: [apple card](https://search.noagendashow.net/topic/apple-card.md), [goldman sachs](https://search.noagendashow.net/topic/goldman-sachs.md), fico scores, [credit card debt](https://search.noagendashow.net/topic/credit-card-debt.md), charge-off rate ### Credit Karma, Social Credit Scores and Podcasting 2.0 - **Episode:** [1362: Shot to Win](https://search.noagendashow.net/episode/1362-shot-to-win.md) - **Published:** 2021-07-09 - **Time:** 15:01–17:41 - **Transcript:** https://search.noagendashow.net/episode/1362-shot-to-win/chapter/credit-karma-social-credit-scores-and-podcasting-2-0.md Adam Curry likens Credit Karma to a Chinese-style social credit score, suggesting it functions as a form of "digital slavery" by incentivizing specific financial behaviors. The conversation transitions to the Podcasting 2.0 initiative, which Curry describes as a necessary infrastructure project to protect the medium from corporate enclosure. John C. Dvorak compares the effort to preventing a "Big Dig" scenario for digital media. Keywords: [credit karma](https://search.noagendashow.net/topic/credit-karma.md), [social credit score](https://search.noagendashow.net/topic/social-credit-score.md), [podcasting 2.0](https://search.noagendashow.net/topic/podcasting-2-0.md), digital slavery, [fico](https://search.noagendashow.net/topic/fico.md) ### Experian Boost, Credit Score Behavioral Modification - **Episode:** [1125: Elusive Logic](https://search.noagendashow.net/episode/1125-elusive-logic.md) - **Published:** 2019-03-31 - **Time:** 2:02:45–2:06:31 - **Transcript:** https://search.noagendashow.net/episode/1125-elusive-logic/chapter/experian-boost-credit-score-behavioral-modification.md The "Experian Boost" service is criticized as a tool for behavioral manipulation, encouraging users to grant access to utility payment data in exchange for a manufactured "Advantage" score. The hosts liken this to a Western version of China's social credit system, designed to train consumers to prioritize certain bills and install tracking apps. Keywords: [experian boost](https://search.noagendashow.net/topic/experian-boost.md), [credit karma](https://search.noagendashow.net/topic/credit-karma.md), [fico score](https://search.noagendashow.net/topic/fico-score.md), [social credit](https://search.noagendashow.net/topic/social-credit.md), behavioral modification ### Credit Karma, Google, and American Social Scoring - **Episode:** [1122: Cyclogenesis](https://search.noagendashow.net/episode/1122-cyclogenesis.md) - **Published:** 2019-03-21 - **Time:** 1:50:52–1:57:30 - **Transcript:** https://search.noagendashow.net/episode/1122-cyclogenesis/chapter/credit-karma-google-and-american-social-scoring.md The Credit Karma app is criticized as a precursor to a Chinese-style social scoring system in America. While users believe they are checking their official FICO score, they are actually viewing an "Advantage" score used to nudge them toward more debt and insurance products. With Google as a major shareholder, the app is described as a tool for behavior modification and data harvesting that lacks proper regulatory disclosure. Keywords: [credit karma](https://search.noagendashow.net/topic/credit-karma.md), [google](https://search.noagendashow.net/topic/google.md), [fico](https://search.noagendashow.net/topic/fico.md), [credit score](https://search.noagendashow.net/topic/credit-score.md), social scoring, [elizabeth warren](https://search.noagendashow.net/topic/elizabeth-warren.md), [debt](https://search.noagendashow.net/topic/debt.md) ### FICO Scores, Experian Boost, Credit Surveillance - **Episode:** [1113: Axe](https://search.noagendashow.net/episode/1113-axe.md) - **Published:** 2019-02-17 - **Time:** 1:50:25–1:57:57 - **Transcript:** https://search.noagendashow.net/episode/1113-axe/chapter/fico-scores-experian-boost-credit-surveillance.md Experian launched a new program called "Experian Boost" that allows consumers to raise their credit scores by granting the company access to their bank accounts and utility payment history. Critics argue this is a form of "sanctioned slavery" and financial surveillance, similar to the Chinese social credit system. The discussion includes a personal anecdote about a host's struggle with an IRS lien and the difficulty of rebuilding credit in the modern financial system. Keywords: [experian](https://search.noagendashow.net/topic/experian.md), [fico score](https://search.noagendashow.net/topic/fico-score.md), [credit rating](https://search.noagendashow.net/topic/credit-rating.md), [irs](https://search.noagendashow.net/topic/irs.md), [financial surveillance](https://search.noagendashow.net/topic/financial-surveillance.md) ### Experian Boost and UltraFICO Credit Scoring - **Episode:** [1103: Act IX](https://search.noagendashow.net/episode/1103-act-ix.md) - **Published:** 2019-01-15 - **Time:** 1:49:51–1:53:53 - **Transcript:** https://search.noagendashow.net/episode/1103-act-ix/chapter/experian-boost-and-ultrafico-credit-scoring.md Experian and FICO are launching new programs, Experian Boost and UltraFICO, which allow the companies to access consumers' bank accounts and utility payments to potentially raise their credit scores. The hosts describe this as a "dystopian future" similar to the Chinese social credit system, warning that it increases financial surveillance of private citizens. Keywords: [experian boost](https://search.noagendashow.net/topic/experian-boost.md), ultrafico, [credit score](https://search.noagendashow.net/topic/credit-score.md), [fico](https://search.noagendashow.net/topic/fico.md), [financial surveillance](https://search.noagendashow.net/topic/financial-surveillance.md) ### FICO Score Calculation Changes and Credit Ratings - **Episode:** [1064: Post Racial](https://search.noagendashow.net/episode/1064-post-racial.md) - **Published:** 2018-09-02 - **Time:** 2:45:58–2:51:34 - **Transcript:** https://search.noagendashow.net/episode/1064-post-racial/chapter/fico-score-calculation-changes-and-credit-ratings.md Major credit bureaus are revamping FICO score calculations by removing library fines, parking tickets, and certain medical debts from reports. This change is expected to raise credit scores for millions of Americans, potentially allowing them to take on more debt. The hosts view this as a prelude to a potential market crash driven by over-extension of credit. Keywords: [fico](https://search.noagendashow.net/topic/fico.md), [credit score](https://search.noagendashow.net/topic/credit-score.md), [medical debt](https://search.noagendashow.net/topic/medical-debt.md), [equifax](https://search.noagendashow.net/topic/equifax.md), [experian](https://search.noagendashow.net/topic/experian.md) ### Global Entry, TSA Pre-Check, FICO Scores - **Episode:** [1046: Pot on Sale](https://search.noagendashow.net/episode/1046-pot-on-sale.md) - **Published:** 2018-07-02 - **Time:** 2:13:15–2:16:36 - **Transcript:** https://search.noagendashow.net/episode/1046-pot-on-sale/chapter/global-entry-tsa-pre-check-fico-scores.md A listener's note about Global Entry leads to a discussion on the inconsistencies of TSA Pre-Check. One host notes that despite having a Trusted Traveler number, he only consistently receives Pre-Check when traveling with his spouse. They joke about the possibility of airport security status being tied to FICO credit scores or other arbitrary metrics. Keywords: [global entry](https://search.noagendashow.net/topic/global-entry.md), [tsa pre-check](https://search.noagendashow.net/topic/tsa-pre-check.md), [trusted traveler](https://search.noagendashow.net/topic/trusted-traveler.md), [fico score](https://search.noagendashow.net/topic/fico-score.md), [tina](https://search.noagendashow.net/topic/tina.md), [airport security](https://search.noagendashow.net/topic/airport-security.md) ### China Social Credit System and FICO Score Comparisons - **Episode:** [1028: Roscoe!](https://search.noagendashow.net/episode/1028-roscoe.md) - **Published:** 2018-04-26 - **Time:** 51:35–54:02 - **Transcript:** https://search.noagendashow.net/episode/1028-roscoe/chapter/china-social-credit-system-and-fico-score-comparisons.md China is expanding its social credit system nationwide, which has already barred 11 million citizens from flying and 4 million from using trains based on their behavior. CBS reporter Ben Tracy describes the system as an effort to "purify society." The discussion compares this to the American FICO score, noting how financial metrics are increasingly used to determine access to non-financial services like education. Keywords: [china](https://search.noagendashow.net/topic/china.md), [social credit](https://search.noagendashow.net/topic/social-credit.md), [fico score](https://search.noagendashow.net/topic/fico-score.md), [ben tracy](https://search.noagendashow.net/topic/ben-tracy.md), [surveillance](https://search.noagendashow.net/topic/surveillance.md) ### FICO Credit Scores, Facebook Data Sharing, and Experian - **Episode:** [1021: Sun Burps](https://search.noagendashow.net/episode/1021-sun-burps.md) - **Published:** 2018-04-01 - **Time:** 18:02–24:07 - **Transcript:** https://search.noagendashow.net/episode/1021-sun-burps/chapter/fico-credit-scores-facebook-data-sharing-and-experian.md The discussion focuses on the history and influence of the FICO credit scoring system, founded by Bill Fair and Earl Isaac in 1956. Concerns are raised regarding Facebook's decision to share user data with credit bureaus like Experian, potentially allowing social media behavior to influence financial creditworthiness. The hosts compare the sudden ubiquity of credit scores to the rapid industry shift from vinyl records to CDs in the 1980s. Keywords: [fico](https://search.noagendashow.net/topic/fico.md), [facebook](https://search.noagendashow.net/topic/facebook.md), [experian](https://search.noagendashow.net/topic/experian.md), credit scoring, [data privacy](https://search.noagendashow.net/topic/data-privacy.md), [fair isaac corporation](https://search.noagendashow.net/topic/fair-isaac-corporation.md) ### Buy Secure Initiative and Citibank Credit Score Promotion - **Episode:** [662: Barama](https://search.noagendashow.net/episode/662-barama.md) - **Published:** 2014-10-20 - **Time:** 1:27:00–1:34:13 - **Transcript:** https://search.noagendashow.net/episode/662-barama/chapter/buy-secure-initiative-and-citibank-credit-score-promotion.md The "Buy Secure" initiative is criticized for promoting Citibank's branded credit cards and free FICO score reports through White House channels. The hosts argue this represents a high level of corporate corruption, as the government is essentially marketing for a private bank while expanding data-sharing between federal investigators and financial institutions. Keywords: buy secure, [citibank](https://search.noagendashow.net/topic/citibank.md), [fico score](https://search.noagendashow.net/topic/fico-score.md), [identity theft](https://search.noagendashow.net/topic/identity-theft.md), [department of justice](https://search.noagendashow.net/topic/department-of-justice.md) ### Identity Theft Remediation and Citibank Promotion - **Episode:** [662: Barama](https://search.noagendashow.net/episode/662-barama-2.md) - **Published:** 2014-10-20 - **Time:** 1:27:00–1:34:13 - **Transcript:** https://search.noagendashow.net/episode/662-barama-2/chapter/identity-theft-remediation-and-citibank-promotion.md The "Buy Secure" initiative is criticized for promoting Citibank and FICO scores through official White House channels. The executive order also expands information sharing between federal law enforcement and private companies, which is viewed as an infringement on privacy under the guise of security. Keywords: [identity theft](https://search.noagendashow.net/topic/identity-theft.md), [citibank](https://search.noagendashow.net/topic/citibank.md), [fico score](https://search.noagendashow.net/topic/fico-score.md), [white house](https://search.noagendashow.net/topic/white-house.md), [information sharing](https://search.noagendashow.net/topic/information-sharing.md) ### Personal Tax Audit Histories, FICO Scores - **Episode:** [513: Pre-Dead](https://search.noagendashow.net/episode/513-pre-dead.md) - **Published:** 2013-05-16 - **Time:** 20:48–27:37 - **Transcript:** https://search.noagendashow.net/episode/513-pre-dead/chapter/personal-tax-audit-histories-fico-scores.md Personal anecdotes regarding IRS audits and bank account freezes are shared, including a $187,000 tax lien resulting from time spent living abroad. The discussion covers the long-term impact of these liens on FICO credit scores and the strategy of using audit insurance through services like TurboTax. Keywords: [irs](https://search.noagendashow.net/topic/irs.md), [audits](https://search.noagendashow.net/topic/audits.md), tax liens, [fico score](https://search.noagendashow.net/topic/fico-score.md), [turbotax](https://search.noagendashow.net/topic/turbotax.md) ### Washington State Marijuana Ballot, FICO Score Employment Threats - **Episode:** [456: Sell-ah-bretties](https://search.noagendashow.net/episode/456-sell-ah-bretties.md) - **Published:** 2012-10-28 - **Time:** 1:38:38–1:45:46 - **Transcript:** https://search.noagendashow.net/episode/456-sell-ah-bretties/chapter/washington-state-marijuana-ballot-fico-score-employment-threats.md Washington State prepares to vote on marijuana legalization, potentially moving ahead of California. Meanwhile, President Obama's promotion of a new consumer watchdog includes a warning that low FICO scores can prevent citizens from getting jobs or renting apartments. The hosts characterize this as a "mafia-style" threat against the "debt-slave" population. Keywords: [washington state](https://search.noagendashow.net/topic/washington-state.md), [marijuana legalization](https://search.noagendashow.net/topic/marijuana-legalization.md), [fico score](https://search.noagendashow.net/topic/fico-score.md), [consumer protection](https://search.noagendashow.net/topic/consumer-protection.md), [elizabeth warren](https://search.noagendashow.net/topic/elizabeth-warren.md), [seattle](https://search.noagendashow.net/topic/seattle.md) ### FICO Scores and Insurance Premium Gouging - **Episode:** [316: Adios, MOFO!](https://search.noagendashow.net/episode/316-adios-mofo.md) - **Published:** 2011-06-26 - **Time:** 3:03 - **Transcript:** https://search.noagendashow.net/episode/316-adios-mofo/chapter/fico-scores-and-insurance-premium-gouging.md California has implemented laws against insurance companies using FICO financial scores to determine car insurance premiums. Claims are made that insurance providers use diverse data, including grocery shopping habits from stores like Whole Foods and Safeway, to justify price increases. This practice is framed as a method for companies to gouge customers based on perceived lifestyle risks. Keywords: [fico score](https://search.noagendashow.net/topic/fico-score.md), [car insurance](https://search.noagendashow.net/topic/car-insurance.md), [california](https://search.noagendashow.net/topic/california.md), [whole foods](https://search.noagendashow.net/topic/whole-foods.md), [data privacy](https://search.noagendashow.net/topic/data-privacy.md) ### FICO Scores and Medication Adherence Monitoring - **Episode:** [315: Agenda 21](https://search.noagendashow.net/episode/315-agenda-21.md) - **Published:** 2011-06-23 - **Time:** 1:03:01–1:07:32 - **Transcript:** https://search.noagendashow.net/episode/315-agenda-21/chapter/fico-scores-and-medication-adherence-monitoring.md The Fair Isaac Corporation (FICO), known for credit scoring, introduces a new "medication adherence score" to predict whether patients will follow prescription instructions. The hosts criticize this expansion of data analytics into personal health, fearing it will lead to further government interference and "quarantine" measures for non-compliant individuals. Keywords: [fico](https://search.noagendashow.net/topic/fico.md), [credit scores](https://search.noagendashow.net/topic/credit-scores.md), medication adherence, [fair isaac corporation](https://search.noagendashow.net/topic/fair-isaac-corporation.md), [healthcare](https://search.noagendashow.net/topic/healthcare.md) ### Cash Car Quest, FICO Scam, Yahoo Autos - **Episode:** [182: Magnets In Space](https://search.noagendashow.net/episode/182-magnets-in-space.md) - **Published:** 2010-03-14 - **Time:** 34:12–37:50 - **Transcript:** https://search.noagendashow.net/episode/182-magnets-in-space/chapter/cash-car-quest-fico-scam-yahoo-autos.md A host describes the process of purchasing a vehicle with cash to avoid debt and the "FICO scam." After finding Santa Monica car dealers unhelpful for a $10,000 budget, the search moved online. While Craigslist was deemed difficult to navigate, Yahoo Autos was praised as the superior platform for locating high-quality second-hand vehicles from dealers. Keywords: [fico](https://search.noagendashow.net/topic/fico.md), [credit score](https://search.noagendashow.net/topic/credit-score.md), [craigslist](https://search.noagendashow.net/topic/craigslist.md), [yahoo](https://search.noagendashow.net/topic/yahoo.md), [used cars](https://search.noagendashow.net/topic/used-cars.md) ### FICO Scores, Credit Reporting Agency Scams - **Episode:** [181: Jihad Jane Rides Again](https://search.noagendashow.net/episode/181-jihad-jane-rides-again.md) - **Published:** 2010-03-11 - **Time:** 7:02–10:24 - **Transcript:** https://search.noagendashow.net/episode/181-jihad-jane-rides-again/chapter/fico-scores-credit-reporting-agency-scams.md The American credit reporting system, specifically the Fair Isaac Corporation (FICO), is characterized as a predatory scam that forces citizens into debt. Issues cited include inaccurate reporting by agencies like Equifax and the difficulty of repairing credit scores without professional intervention. The discussion encourages listeners to adopt a cash-only lifestyle to avoid the systemic traps of the credit industry. Keywords: [fico score](https://search.noagendashow.net/topic/fico-score.md), [equifax](https://search.noagendashow.net/topic/equifax.md), [fair isaac corporation](https://search.noagendashow.net/topic/fair-isaac-corporation.md), credit reporting, [debt](https://search.noagendashow.net/topic/debt.md) --- This is the markdown version of a page on The No Agenda Show for AI agents. Every public page on this site has one: add `.md` to its URL, or request it with `Accept: text/markdown`. - [Site index for agents (llms.txt)](https://search.noagendashow.net/llms.txt) - [Home](https://search.noagendashow.net/index.md) - [Search transcripts](https://search.noagendashow.net/search.md) - [All episodes](https://search.noagendashow.net/episodes.md) - [Topics](https://search.noagendashow.net/topics.md) - [People](https://search.noagendashow.net/people.md)