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Dave Sullivan
Works at Credit Technologies
Lives in Michigan
329 followers|24,459 views
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Dave Sullivan

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Getting ready to sell?
 
Thinking of selling your home in 2014 or interested in increasing your homes value?  If so it is important to educate yourself on which projects will levy the largest return on investment!
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Dave Sullivan

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<a href="http://www.fico.com/en/about-us/newsroom/news-releases/new-version-industry-standard-fico-score-will-available-beginning-summer/" title="FICO Press " target="_blank">FICO (r) has announced another new scoring model</a>, they are calling this one "9" what they said was that it will be an improvement over the "8" version currently available. I really like the changes FICO made with the "8" model, the improvements would help many borrowers because of the changes and cut back on the gaming some people have used over the years with the authorized user loop hole.  What will version FICO9 bring? 

 Well the only information has been cryptic at best  "Our innovative, multi-faceted modeling approach incorporates a more exhaustive characteristic selection process to build a score that is even more effective across a wide variety of situations," said Andrew Jennings, chief analytic officer for FICO.  "This approach also uses FICO Model Builder's Multiple Goal Scorecard technology -- a sophisticated tool that balances out different scoring objectives applied across various product lines. As a result, we will deliver a new FICO Score that continues to be the credit score that defines U.S. consumer credit risk."

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Check out this video on YouTube: it makes google glass look like last years tech
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Dave Sullivan

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Eddy you may have to get it sent to someone in the us by mail and have them mail it to you.  I am sure that you can understand why they would limit that overseas. 
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Another data breach this time at fifth third bank and a great reason to use a credit card over a debit card.  

Some Fifth Third Bank customers are getting new credit cards after a data breach could have potentially compromised their card numbers. The data breach took place at a supplier payment processing company and not at Fifth Third, said Stephanie Honan, a Fifth Third spokeswoman. 

MasterCard notified Fifth Third of the breach, Honan said. That prompted Fifth Third to send letters to affected customers, telling them to destroy their current cards and that new cards will be reissued. 

The breach was discovered recently and fifth third's customers are receiving letters this week. Those customers are protected by MasterCard Zero Liability for any unauthorized activity that takes place using their card.

"Of course, they should also report any unauthorized activity to the bank," Honan said.
No Fifth Third systems were impacted or breached, Honan said. No personal information or bank account numbers were accessed. Card numbers were the primary data that were impacted.
Fifth Third wouldn't release the number of cards impacted or whether any of those card numbers were illegally used.
I also cover what is a credit bureau vs what is a credit repository and how your credit report does not  exist. 

 In this video we talk about credit and credit scoring to follow the YouTube channel free click here= http://www.youtube.com/subscription_center?add_user=sullythecreditguy
For more free information on credit and credit scoring check out my blog at www.thecreditguy.tv 
Join me on LinkedIn at www.linkedin.com/in/thecreditguytv 
Follow me on Twitter at www.twitter.com/TheCreditGuyTV
Like the Facebook Page www.facebook.com/TheCreditGuy 
Follow my Pintrest board http://www.pinterest.com/thecreditguy
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<a href="http://www.fico.com/en/about-us/newsroom/news-releases/new-version-industry-standard-fico-score-will-available-beginning-summer/" title="FICO Press " target="_blank">FICO (r) has announced another new scoring model</a>, they are calling this one "9" what they said was that it will be an improvement over the "8" version currently available. I really like the changes FICO made with the "8" model, the improvements would help many borrowers because of the changes and cut back on the gaming some people have used over the years with the authorized user loop hole.  What will version FICO9 bring? 

 Well the only information has been cryptic at best  "Our innovative, multi-faceted modeling approach incorporates a more exhaustive characteristic selection process to build a score that is even more effective across a wide variety of situations," said Andrew Jennings, chief analytic officer for FICO.  "This approach also uses FICO Model Builder's Multiple Goal Scorecard technology -- a sophisticated tool that balances out different scoring objectives applied across various product lines. As a result, we will deliver a new FICO Score that continues to be the credit score that defines U.S. consumer credit risk."

<a href="http://www.youtube.com/subscription_center?add_user=sullythecreditguy" title="YouTube " target="_blank">Youtube</a> 
<a href="http://www.linkedin.com/in/thecreditguytv " title="linked in " target="_blank">Join me on LinkedIn</a> <a href="http://www.twitter.com/TheCreditGuyTV" title="Twitter" target="_blank">Follow me on Twitter</a>
<a href="http://www.facebook.com/TheCreditGuy " title="facebook" target="_blank">Like the Facebook Page</a> 
<a href="http://www.pinterest.com/thecreditguy" target="_blank">Follow my Pintrest board</a> 
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Dave Sullivan

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Mr Greg Frost shares #1 reason he became the first Billion Dollar Originator 
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Dave Sullivan

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Jump on this weeks webinar to find out the latest improvements and killer marketing advantages Mortgage Preflight can give you with Realtors!!!!
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Dave Sullivan

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Another data breach this time at fifth third bank and a great reason to use a credit card over a debit card.

Some Fifth Third Bank customers are getting new credit cards after a data breach could have potentially compromised their card numbers. The data breach took place at a supplier payment processing company and not at Fifth Third, said Stephanie Honan, a Fifth Third spokeswoman.

MasterCard notified Fifth Third of the breach, Honan said. That prompted Fifth Third to send letters to affected customers, telling them to destroy their current cards and that new cards will be reissued.

The breach was discovered recently and fifth third’s customers are receiving letters this week. Those customers are protected by MasterCard Zero Liability for any unauthorized activity that takes place using their card.

“Of course, they should also report any unauthorized activity to the bank,” Honan said.
No Fifth Third systems were impacted or breached, Honan said. No personal information or bank account numbers were accessed. Card numbers were the primary data that were impacted.
Fifth Third wouldn’t release the number of cards impacted or whether any of those card numbers were illegally used.
I also cover what is a credit bureau vs what is a credit repository and how your credit report does not exist.

In this video we talk about credit and credit scoring to follow the YouTube channel free click here= http://www.youtube.com/subscription_center?add_user=sullythecreditguy
For more free information on credit and credit scoring check out my blog at www.thecreditguy.tv
Join me on LinkedIn at www.linkedin.com/in/thecreditguytv
Follow me on Twitter at www.twitter.com/TheCreditGuyTV
Like the Facebook Page www.facebook.com/TheCreditGuy
Follow my Pintrest board http://www.pinterest.com/thecreditguy
1
Add a comment...
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In his circles
810 people
Have him in circles
329 people
Katie Stepaniak's profile photo
Alfa Dom's profile photo
Leah Banks-Fish's profile photo
John Harrison's profile photo
Michael Dagner's profile photo
Warren Whitaker's profile photo
Work
Occupation
Marketing Director
Skills
The Credit Guy TV
Employment
  • Credit Technologies
    Marketing Director, present
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Gender
Male
Story
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Credit Score Improvement
Introduction
Dave Sullivan graduated from Western Michigan University in 1989 with a bachelor’s degree in Finance. He started in the mortgage industry as a loan officer in 1991. Less than one year later started selling credit reports to Mortgage Companies, Banks and Credit Unions. On September 19, 1997 he started AIR Credit Midwest out of his car. Over the next two years Air Credit Midwest grew to a multimillion dollar company. In 2000 he was approached by one of the largest Credit Reporting Bureau’s in the nation to purchase AIR Credit Midwest. He sold it and worked for that company as Sales Manager of the Michigan and Ohio market for the next ten years. During his career in the credit industry he has personally reviewed thousands of credit reports and credit scores. He currently provides free information on his weekly Video Blog at www.thecreditguy.tv
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Michigan
Joel, did a horrible job on our driveway, we had to teach him how to seal it and then he still could not get it correct after weeks of trying not it is starting to come off and it is not even winter yet. Do not use this company for stamped concrete
Public - 4 months ago
reviewed 4 months ago
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