Credit and…Pirates!?

It’s International Talk Like a Pirate Day, September 19th, 2018! In honor of such a prestigious and momentous event, we wanted to breakdown the origin of the first corporations (pirates!) and give a brief letter of encouragement to all sailors on the sea of life in search of major treasure and fine trinkets (i.e. financial …

Is “piggybacking” legal?

A few years ago, the creators of the FICO credit scoring system announced that they would stop including authorized users in the latest version of their FICO 08 scoring model which essentially will place an end to “piggybacking”. The monopoly of credit reporting i.e. Transunion, Equifax and Experian did not consider the Equal Credit Opportunity …