[moate]

Okay, so you admit that employers pull FICO scores, but that they then just go "well, we've seen it and now we won't use it in any way to influence any decisions whatsoever"? When why are they pulling it? That doesn't make any sense. It's a very safe assumption that if they're pulling it, they're using it for some reason (either current or future) relating to their decision to continue your employment.

As for renting: Do you have any examples of cases in which "religion" was used in conjunction with credit scores to successfully argue discrimination? Because I believe it's pretty standard to pull credit checks on renters before they sign a lease, and again, I'm going to (not so) boldly assume the landlord is then using that in their decision making.

[adrr]

They don't pull FICA scores. When I worked at financial company. We pulled credit history looking for negatives events as required by regulations dealing with securities/FINRA.

[moate]

So you're just over here arguing semantics? "FICO" vs "credit history" is the "Kleanex" vs "tissues" debate of the credit world. A FICO score is just a brand name credit history product. The point, that your previous credit events can be used against you in employment and renting, stands the same.

Is your point that it's JUST the detailed credit history and not "the detailed credit history + FICO" score, because that just seems like a pedantic point to make (and also, impossible to prove. There's no reason someone couldn't obtain your FICO score for these reasons)

OP point still stands: your credit history can be used against you in renting and employment. You've not disproved this point.

[adrr]

Thats like saying a social credit score is the same thing as your social media postings.

[moate]

I'm tapping out here if you're just going to keep going in on semantics my dude. You're not addressing the real point, that your credit score can be used against you in housing and employment, you're building a semantics straw man and attacking that.

I don't care about the relation between FICO score and credit history. It's tangential to this discussion.