This seems like a good morning to test out a couple conspiracy theories

[Por_sha911]

https://www.foxbusiness.com/money/average-credit-scores-hit-record-highs-what-to-do

For some reason, I immediately thought of how before the real estate bubble, home appraisals were way up and loans of all kinds where being approved for people who shouldn't have been loaned five bucks. Since there is no standard to the scores and every credit bureau has their own secret formula, is this a setup?

https://www.foxnews.com/auto/ford-f-150-mystery-flashing-lights

Being a very private person by nature and also not embracing every new technology the second it is out, I wonder if the sensors and cameras are recording for the on board computers and can be used by the insurance companies if there is an accident. The article says there are 'invisible infrared lights'. Are my retinas being tasered here? (this one is more of a stretch but hey, its the weekend so lets go out on a limb a little).

[Sooner or later]

According to Credit Karma my score never changes. Not even a point. It has been 787 for a couple of years.

[Arizona_928]

Only on the high end models...

Don't need fancy electronics that'll fail... just fancy mechanicals that fail before 100k miles.

[GH85Carrera]

My credit score seems to bounce around about 10 or 15 points. I am a USAA member and they have a free credit score check since I have two credit cards with them. It really makes no sense to me why the score changes. The only loan I have is for my business's airplane, and the credit cards are one personal card, and one for the business. The are always paid at statement balance and have been for many long years. In the end, I have no intention of buying a house and this house is paid for, so I really don't care about my credit score.

And with my 1896 El Camino and 1985 911 they are not getting any data from my cars, even if they tried.

[Pazuzu]

Originally Posted by Por_sha911

https://www.foxnews.com/auto/ford-f-150-mystery-flashing-lights

Being a very private person by nature and also not embracing every new technology the second it is out, I wonder if the sensors and cameras are recording for the on board computers and can be used by the insurance companies if there is an accident. The article says there are 'invisible infrared lights'. Are my retinas being tasered here? (this one is more of a stretch but hey, its the weekend so lets go out on a limb a little).

So...if Ford is watching you while you drive to see if you're sleeping, or texting, or ignoring the road, that's invasion of privacy.

When I look over from the next lane into your window to see if you're sleeping, or texting, or ignoring the road, is THAT invasion of privacy? What if I'm looking in your window while you text and swerve over into the same space that my car is currently filling, who's invasion of privacy is worse?

[group911@aol.co]

Whats a credit score?

[masraum]

Originally Posted by Pazuzu

So...if Ford is watching you while you drive to see if you're sleeping, or texting, or ignoring the road, that's invasion of privacy.

When I look over from the next lane into your window to see if you're sleeping, or texting, or ignoring the road, is THAT invasion of privacy? What if I'm looking in your window while you text and swerve over into the same space that my car is currently filling, who's invasion of privacy is worse?

what if while you're looking over at him not looking at you, you naturally swerve over into him because it's natural to steer where you're looking. Is that invasion of privacy and space?

[Pazuzu]

Originally Posted by masraum

what if while you're looking over at him not looking at you, you naturally swerve over into him because it's natural to steer where you're looking. Is that invasion of privacy and space?

What if he's not looking at me while I'm not looking at him who's not looking at me while he's not looking and me looking at me and him looking at me. Is that an alien invasion?

[pwd72s]

Have no idea what our credit score is. Haven't borrowed for anything after paying off the house back in the early 90's. Credit cards paid in full when the bills come. I see no future need to borrow, so why should the score matter to me?

[MRM]

Police, insurers and lawyers have been able to download data on motor vehicle accidents for at lest 20 years. They don’t need any new tech to do that. As of about 2000 pretty much any vehicle would show the condition of the car several seconds before an accident, including speed, braking, whether the cruise control was on, etc.

Credit scores are black voodoo magic. I have access to my FICO and Experian scores and they bounce around from Month to month at random, usually in lockstep with each other. I lose 40 points in a month frequently and gain it back a month or so later. Last month I dropped 60 points. I haven’t had a new account in years and my spending is within dollars of the same amount each month. All cards are on autopay at the end of the month and we never carry a balance. How and why it changes is a total mystery.

[group911@aol.co]

I agree but the bizarre thing is how many everyday companies look at your score to determine how good of a customer you'll be. Insurers are the ones that really get me. In the end, it's really a somewhat subtle redlining method.
I still don't get why so many people seem to look at it so frequently.

Originally Posted by pwd72s

Have no idea what our credit score is. Haven't borrowed for anything after paying off the house back in the early 90's. Credit cards paid in full when the bills come. I see no future need to borrow, so why should the score matter to me?

[Por_sha911]

Originally Posted by Pazuzu

So...if Ford is watching you while you drive to see if you're sleeping, or texting, or ignoring the road, that's invasion of privacy.

When I look over from the next lane into your window to see if you're sleeping, or texting, or ignoring the road, is THAT invasion of privacy? What if I'm looking in your window while you text and swerve over into the same space that my car is currently filling, who's invasion of privacy is worse?

Not my point. Can they pull the info and see if you were talking to someone when an accident occurred and then somehow blame you for it? Some auto insurance companies say 'plug in this box and we'll give you a discount'. I don't think so. I don't want a geo tracker knowing where I go, how fast I accelerate or brake... Its not about having anything to hide. I feel that data harvesting can be used by the wrong people for bad reasons. Now let me put my tin foil hat back on.

[Por_sha911]

Originally Posted by pwd72s

Have no idea what our credit score is. Haven't borrowed for anything after paying off the house back in the early 90's. Credit cards paid in full when the bills come. I see no future need to borrow, so why should the score matter to me?

For starters, your insurance rates are adjusted based on your score.

[Por_sha911]

Originally Posted by Sooner or later

According to Credit Karma my score never changes. Not even a point. It has been 787 for a couple of years.

Every place has their own formula. Even the big three credit bureaus use a different formula and can come up with different scores.

[Por_sha911]

Originally Posted by GH85Carrera

My credit score seems to bounce around about 10 or 15 points. I am a USAA member and they have a free credit score check since I have two credit cards with them. It really makes no sense to me why the score changes.

Part of your score is debt to total credit available ratio. You may have a huge credit card bill that is about to be paid in full and it will lower your score until you pay it (even if you pay 25 days net). Next month your score goes up if the debt ratio is lower.

[JJ 911SC]

Originally Posted by Sooner or later

According to Credit Karma my score never changes. Not even a point. It has been 787 for a couple of years.

Same here, steady as she goes for at least the last 5 years (never check it before until there was a link on my online banking).

[MRM]

Originally Posted by Por_sha911

Not my point. Can they pull the info and see if you were talking to someone when an accident occurred and then somehow blame you for it? Some auto insurance companies say 'plug in this box and we'll give you a discount'. I don't think so. I don't want a geo tracker knowing where I go, how fast I accelerate or brake... Its not about having anything to hide. I feel that data harvesting can be used by the wrong people for bad reasons. Now let me put my tin foil hat back on.

For at least the last 20 years insurers, police and lawyers have had access to this data after every accident. Any time there’s an accident where liability is an issue the parties will get a printout telling exactly how fast the vehicles were going, was anyone on their phone, when the brakes were applied, and the condition of the vehicle at the time of the accident. All of this is available through the vehicle itself. It does not require any plug in device from the insurer. The plug in devices provide the insurers with real-time data on total driving conduct. The same data can be downloaded after an accident from the vehicle directly.

[ckelly78z]

It sounds like I would be applying some black tape to the dash in strategic places.

[Por_sha911]

Originally Posted by MRM

For at least the last 20 years insurers, police and lawyers have had access to this data after every accident. Any time there’s an accident where liability is an issue the parties will get a printout telling exactly how fast the vehicles were going, was anyone on their phone, when the brakes were applied, and the condition of the vehicle at the time of the accident. All of this is available through the vehicle itself. It does not require any plug in device from the insurer. The plug in devices provide the insurers with real-time data on total driving conduct. The same data can be downloaded after an accident from the vehicle directly.

But the plug in device tracks and harvests data even when there is no accident. The scenario above is only if an investigation to the accident to legally required.
Flo ain't getting any info from me.

[MRM]

Correct. “The plug in devices provide the insurers with real-time data on total driving conduct. The same data can be downloaded after an accident from the vehicle directly.”