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And the institutions like those you work for are absolved for giving out no-docs, ninjas and 105% loans? Should'nt your educated peers be much more astute and able to tell the difference between sheet & clay? How many hundreds of years of banking does it take? It's in your sig, remember? I've...

I sure agree with this TF, which means having all that FICO information means nothing, and would not have made any difference. The issue I have is placing the burden for the institution's stupidity on the private citizens by way of extra impositions and dilution of privacy.

We could always have a GESTAPO and a NKVD, so the Police State knows everything everybody is doing. Oh wait, I almost forgot this country does not have the right to privacy nor that of free speech. And everybody is a subject of the queen (of Opium) and her idiot decendents. Am I even allowed...