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News Feed Item SubscriberWise Chief and U.S. Credit Czar Howe Recommends Credit Karma |
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“I’ve been a Credit Karma member for nearly three years,” confirmed David Howe, SubscriberWise founder and the nation’s leading protector of children victimized by identity fraud. “In addition to the weekly Vantage score updates with TransUnion and Equifax data, I rely on Credit Karma for credit monitoring and any important or critical changes to my TransUnion credit report. “I’m also recommending Credit Karma because of its use of the Vantage 3.0 model. Along with competing FICO models, I have a significant amount of professional experience with Vantage 3.0, and I’m constantly analyzing its performance with payment behavior of telecommunications customers. This latest model is more consistent for consumers because it imitates the industry-leading FICO model regarding the promoted, and familiar, score range of 300 to 850. Before Vantage 3.0, Credit Karma members would obtain scores with a range of 501 to 990. The unfamiliar score ranges increased confusion for many consumers. “FICO’s latest score, FICO Score 9, is more closely aligned to the Vantage 3.0 used by Credit Karma,” explained Howe. “Both Vantage 3.0 and the FICO Score 9 treat medical and paid collections differently and more favorably, particularly compared to older FICO models (https://globenewswire.com/news-release/2014/11/21/685481/10109509/en/FICO-9-SubscriberWise-is-first-in-Nation-to-Integrate-the-New-Score-for-Consumer-Initiated-Underwriting-MCTV-is-first-Communications-Operator-to-Utilize.html). However, Credit Karma members should understand that the scores their creditors are using are likely FICO models that continue to weigh unpaid medical and other unpaid collections more adversely. As an example, Bank of America and Discover Card each offer its customers a free FICO 8 Score as part of the ‘FICO Score Open Access’. “Consumers who have only medical collections, for example, would likely have a lower FICO 8 score compared to the scores generated at Credit Karma,” continued Howe. “Today, Credit Karma gets the Credit Czar’s endorsement,” Howe said. “Among the personalized recommendations, the platform contains educational resources and other tools that can help consumers boost their scores and achieve steady progress towards their credit and financial goals. “Yes, it’s a great resource for individuals with all levels of credit and financial understanding,” Howe concluded. “True even for the Credit Czar and humanity’s highest achieving FICO and Vantage scoring consumer since Alan Turing invented the computer age.” Follow Credit Czar on Facebook: www.facebook.com/CreditCzar About SubscriberWise SubscriberWise® launched as the first U.S. issuing consumer reporting agency exclusively for the cable industry in 2006. In 2009, SubscriberWise and TransUnion announced a joint marketing agreement for the benefit of America’s independent cable operators. Today SubscriberWise is a risk management preferred solutions provider for the National Cable Television Cooperative. SubscriberWise contributions to the communications industry are quantified in the billions of dollars annually. SubscriberWise is a U.S.A. federally registered trademark of the SubscriberWise Limited Liability Co. View source version on businesswire.com: http://www.businesswire.com/news/home/20160904005037/en/ Latest Stories
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As cloud adoption continues to transform business, today’s global enterprises are challenged with managing a growing amount of information living outside of the data center. The rapid adoption of IoT and increasingly mobile workforce are exacerbating the problem. Ensuring secure data sharing and efficient backup poses capacity and bandwidth considerations as well as policy and regulatory compliance issues.
Developing software for the Internet of Things (IoT) comes with its own set of challenges. Security, privacy, and unified standards are a few key issues. In addition, each IoT product is comprised of (at least) three separate application components: the software embedded in the device, the back-end service, and the mobile application for the end user’s controls. Each component is developed by a different team, using different technologies and practices, and deployed to a different stack/target –…
Data is the fuel that drives the machine learning algorithmic engines and ultimately provides the business value. In his session at Cloud Expo, Ed Featherston, a director and senior enterprise architect at Collaborative Consulting, will discuss the key considerations around quality, volume, timeliness, and pedigree that must be dealt with in order to properly fuel that engine.
The Internet of Things can drive efficiency for airlines and airports. In their session at @ThingsExpo, Shyam Varan Nath, Principal Architect with GE, and Sudip Majumder, senior director of development at Oracle, will discuss the technical details of the connected airline baggage and related social media solutions. These IoT applications will enhance travelers’ journey experience and drive efficiency for the airlines and the airports. The session will include a working demo and a technical d…
Leading cloud-centric IT organizations are establishing core capabilities to improve productivity, control costs and provide a highly responsive end-user experience. Key steps along this journey include creating an end-user cloud services catalog, automating workflows and provisioning, and implementing IT showback and chargeback. In his session at 19th Cloud Expo, Mark Jamensky, executive vice president of Products at Embotics, will walk attendees through an in-depth case study of enterprise I…
Between the mockups and specs produced by analysts, and resulting applications built by developers, there exists a gulf where projects fail, costs spiral, and applications disappoint. Methodologies like Agile attempt to address this with intensified communication, with partial success but many limitations. In his session at @DevOpsSummit at 19th Cloud Expo, Charles Kendrick, CTO at Isomorphic Software, will present a revolutionary model enabled by new technologies. Learn how business and deve…
We are always online. We access our data, our finances, work, and various services on the Internet. But we live in a congested world of information in which the roads were built two decades ago. The quest for better, faster Internet routing has been around for a decade, but nobody solved this problem. We’ve seen band aid approaches like CDNs that attack a niche’s slice of static content part of the Internet, but that’s it. It does not address the dynamic services-based Internet of today. It doe…
SYS-CON Events announced today that Pulzze Systems will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Pulzze Systems, Inc. provides infrastructure products for the Internet of Things to enable any connected device and system to carry out matched operations without programming. For more information, visit http://www.pulzzesystems.com.
Apache Hadoop is a key technology for gaining business insights from your Big Data, but the penetration into enterprises is shockingly low. In fact, Apache Hadoop and Big Data proponents recognize that this technology has not yet achieved its game-changing business potential. In his session at 19th Cloud Expo, John Mertic, director of program management for ODPi at The Linux Foundation, will explain why this is, how we can work together as an open data community to increase adoption, and the i…
While DevOps promises a better and tighter integration among an organization’s development and operation teams and transforms an application life cycle into a continual deployment, Chef and Azure together provides a speedy, cost-effective and highly scalable vehicle for realizing the business values of this transformation. In his session at @DevOpsSummit at 19th Cloud Expo, Yung Chou, a Technology Evangelist at Microsoft, will present a unique opportunity to witness how Chef and Azure work tog…
Almost two-thirds of companies either have or soon will have IoT as the backbone of their business in 2016. However, IoT is far more complex than most firms expected. How can you not get trapped in the pitfalls? In his session at @ThingsExpo, Tony Shan, a renowned visionary and thought leader, will introduce a holistic method of IoTification, which is the process of IoTifying the existing technology and business models to adopt and leverage IoT. He will drill down to the components in this fra…
Traditional on-premises data centers have long been the domain of modern data platforms like Apache Hadoop, meaning companies who build their business on public cloud were challenged to run Big Data processing and analytics at scale. But recent advancements in Hadoop performance, security, and most importantly cloud-native integrations, are giving organizations the ability to truly gain value from all their data. In his session at 19th Cloud Expo, David Tishgart, Director of Product Marketing …More Stories
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