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*NEW Harvard Law Graduate Finds Faults in FICO08:

Article written by Marshall Silver, Harvard Law Graduate, on the legal interpretation of the credit reporting, credit scoring, and credit boosting industries and how they affect Consumers in America.

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FICO 08 Arrives in '09:
Denver, CO -- February 8, 2009 -- Adding people as authorized users on Platinum Tier Credit Card Accounts will forever continue to benefit FICO® scores.

More than a year and a half after it was first announced, FICO® 08 -- an updated version of the FICO® credit score system –- is finally making its debut in ‘09.

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Credit Score Piggybacking Lives On:
Denver, CO -- August 08, 2008 -- Adding people as authorized users on Platinum Tier Credit Card Accounts will forever continue to benefit FICO® scores.
Fair Isaac Corp., creator of the widely used FICO® score, announced last year it would end credit score piggybacking. However, during Congressional testimony in July 2008, Fair Isaac Corp. acknowledged that based on legal arguments made by the experts at BoostMyScore.NET, it had reversed this decision (see "Fair Isaac's Written Statement"). As discovered by BoostMyScore.NET in early 2008, it would have violated the Equal Credit Opportunity Act...

"FICO® 08" Deemed Propaganda Scare:
As the credit score analysts at BoostMyScore.NET predicted, the entire FICO® 08 scoring changeover, which was supposed to extinguish authorized user benefits to the credit scoring system, "was simply a fear based propaganda scare tactic".

According to Bill Airy, President and Founder of BoostMyScore.NET, "this was nothing more than good old fashioned smoke and mirrors politics." The value of the FICO® scoring model was diminishing in the eyes of the banks and lending institutions because of the so called "Credit Piggybacking" strategy used by BoostMyScore.NET and others.