Wednesday, December 15, 2021



Volume: 973                December 16, 2021


When Credit Scores came in, Freedom went out.

We live in an era where we have been distilled to numbers.  Our Social Security Numbers were never intended to be used as identification.  In fact, if your social security card is as old as mine it says right on the back, “Not to be used as identification”.  Those days are gone.  Nowadays everybody is judged according to a FICO score which centers on social security numbers as formal identification of the individual.  This is the FICO Credit Score, the most insidious threat to American freedoms ever to rear its ugly head.

I was absolutely bowled over when, on returning to the United States after a 25 year absence, that the government had approved a scoring system which affects over 80% of Americans.  On arrival I ran head on into the brick wall of the infamous ‘FICO’ Score.  Over the two and a half decades of my absence this evil rose from the mists of imagination and insidious intent into the real world.

As insidious as FICO scoring is now, there are plans to further tighten its grip.  Let me explain …

It was in 1989 that FICO [Fair Isaac Corporation] first floated the idea of a credit score.  Credit Scores were hailed and blessed under the leadership of President George Herbert Walker Bush, “Mister “No new taxes”.  An interesting note is that William Fair and Earl Isaac, founders of the corporation and designers of the FICO Score, and virtually every FICO Chairman since have been self-avowed Communists.  These have been men whose ‘final solution’ to a free republic is Socialism.  They preached this message for decades and throughout their chequered careers.

In 1998 Earl Isaac, speaking at a gathering of the American Communist Party, said, “It is evident that our system of government has granted too much freedom to too many people.  Unchecked freedom is chaos.  If we are going to achieve true socialism we must better track the comings and goings, spending and earnings of everyone.  It is toward this goal that I, along with my colleague Mr. Fair, propose a universal credit and finance scoring system.  Cash, precious metals, and personal wealth are the very roots of this sick society.  A financial scoring system will allow us to rate and qualify those deserving, track those of whom we are unsure, and punish those who are not.

Both Isaac and Fair have made it clear on multiple occasions that their end game is conquest of the United States in order to prepare the people to be ‘handed over’ to their masters … whoever they may be.




As the FICO monster marches on, it continues trampling the rights of Americans. Their sights are set on ‘global domination as admitted by Earl Isaac in 1998.  With the help of Senators and Congressmen on their payroll, and the blessing of then president George Herbert Walker Bush, the Fair Isaac Corporation [FICO] has authored, promoted, and ram-rodded their own brand of digital enslavement.  Through ‘credit assessments of their own design FICO has become so deeply rooted in America’s culture as to have become accepted tradition.

Like frogs in a pot, FICO has slowly turned up the heat beginning in 1989 under George Herbert Walker Bush, Mr. “No new taxes himself, who held considerable financial interest in the FICO Corporation.

Foresight being hindsight, Americans would never have stood for this betrayal.  None would have tolerated FICO, working hand in glove with Communists and members of the Deep-State, to enslave us.  Today a FICO score is assigned to nearly every American over sixteen years of age.  There are even those younger than sixteen who also have a FICO score.  In our history, millions of Americans have fought and died to oppose dangers far less insidious than FICO.

Today in America, if anyone wants to rent a home, they need an ‘acceptable credit score.  If anyone wants auto, home, or life insurance, they need an ‘acceptable credit score.  If anyone wants a job of meaning, they need a credit score.  People are hired, promoted, fired, and demoted based on their credit scores.  Today the dreaded FICO score has its hooks into every nook and cranny of our lives, reaching into and regulating even our most precious and private details.




The people at FICO [arguably the least transparent organization in the world] have spoon-fed Americans their propaganda.  They would have you believe that a credit score is important, and that it is based on the common-sense criteria.  They tell you that time on the job, time in residence, current debt levels, and the timely payment of loans and obligations factor equally into one’s credit score.  This is a lie!  They tell you that their credit score system protects lenders, landlords, employers, insurers, and even the American People at large.  Again, another lie!  The fact is that over 89% of a person’s FICO score is based on timely payment of debt interest. Yep, they want you paying interest, not principle, and all other criteria are of little to no consequence.


89% of your FICO is based on how much interest you pay!


In a 2000 exposé the China Daily newspaper noted that, in order to maintain a credit score of 740 or higher [this is a ‘good’ rating] a person must pay at least $8,000 in interest annually.  That’s $666.66 a month!  A higher score requires more interest paid!  For $10,000 per year in interest, someone can have a score of 800!  That’s only $833.33 a month!  There ya go!


The more interest you pay, the higher your score!


The highest score possible is 850.  Believe it or not, some poor schmucks out there are paying over $18,000 a year in interest payments to maintain this much coveted score.  Yes!  That’s over $1,500 a month going into interest-only payments so that they can hold the holy grail of credit scores, ‘840-850’.

Another article published in the China Daily News in 2001 condemned the unfairness of the FICO Score, in light of the Chinese Government’s decision not to allow FICO scores in their country.  In a quote from Wang Ji, Finance Minister, he said, “The advent of a financial / lifestyle score such as FICO being imposed on the people is nothing less than digital enslavement.  The People’s Republic of China holds her people’s freedoms to a higher value.”

It’s frightening to believe that Communist China would hold their people’s financial freedom to a higher value than does the United States of America.  Most folks don’t realize that this scoring system will one day encompass every aspect of their lives.  To all of you ‘frogs in a pot’ out there I say; “Welcome to slavery!

I’m Max, and that’s the way I see it!

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