Equifax refused to restore his credit score or explain why it dropped to zero, until Go Public started asking questions.
Only then did the company point to its little-known policy: If a credit file sits inactive, the consumer may be labelled “unscoreable” and their score reset to zero. Tregear says the last time he checked, before it disappeared, his score was around a more respectable 700.
Go Public has since found a major flaw in consumer protection rules — that there are no laws or oversight on how credit scores are calculated, leaving credit bureaus to do what they want.
Consumer advocate Geoff White says that gives credit bureaus too much power, with no transparency.
The discussion in both could get confusing. Someone may look in the wrong post for a follow-up. Any way the two posts could get combined, since they are both by the same author? Or maybe warn the posters in one tat it is going to be deleted, and refer them to the second post?
That’s a good point, it looks like one of the other admins has locked the extra post and redirected users to the post with more votes. In the future I’ll do something similar based on which one was posted first