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Quinn, SD Car Consumer Discussions

Re: drum roll please.....! [graphicguy]

by snakeweasel on Thu Sep 27 18:09:23 PDT 2007

Aiden Quinn I know he played Benedict Arnold in "Benedict Arnold: A Question of Honor" which he was pretty decent in. Is that what you are thinking about?

Re: drum roll please.....! [graphicguy]

by oregonboy on Thu Sep 27 08:54:57 PDT 2007

Aidan Quinn has been in a lot of flicks. He co-starred with Sandra Bullock and Nicole Kidman in "Practical Magic". :surprise: james

Re: drum roll please.....! [tidester]

by graphicguy on Thu Sep 27 08:19:28 PDT 2007

tidester....I haven't sold any cars to a celeb, but just had a close encounter with one. Seems as if I was sitting next to Aiden Quinn (was in some American War epic that the title escapes me...and some movies that sounded like "chick flicks") on a flight from NYC. Like us commoners, it wasn't a direct flight. He had a layover at my home airport.....on his way to L.A. I guess he lives in NY, though. Spent a few hours chatting with him while we shared an arm rest. Nice guy.

Beacon scores to change in 2008

by joel0622 on Fri Jan 04 10:17:33 PST 2008

Default Lines: The New Math Of Credit Scores by Jane J. Kim Thursday, December 20, 2007 provided by The company that cooks up credit scores for millions of Americans is changing its recipe -- and that could affect how easily you get credit in the future. Fair Isaac Corp., maker of the popular FICO credit score used by most lenders, says its new scoring model will do a better job predicting the likelihood of a borrower defaulting on a loan. For one thing, the new model, dubbed FICO 08, will be more forgiving of occasional slips by consumers, but will take a harder line on repeat offenders. Fair Isaac predicts its new system will help lenders reduce default rates on their consumer credit by between 5% and 15%. More From The Wall Street Journal Online: • 12 Ways to Make Your Kids Financially Savvy • Estate Planning Has Gone to the Dogs • Converting IRA Assets to a Roth Account The rollout of the new credit-scoring system comes at a time when lenders say they are eager for more-accurate measures of credit risk, in part because of rising loan defaults as subprime mortgages go bad and housing prices fall. And there are signs that delinquencies are creeping into other types of consumer debt, including auto loans, further prompting lenders to tighten up on credit. The FICO score, which Fair Isaac says is used by 90% of the 100 largest banks, and other similar scores hold sway over the lives of millions of people. Financial institutions use them to determine the granting and pricing of credit, insurance, cellphone usage and, in some cases, employment and utility services. Some consumer groups have raised concerns about whether credit scores are being used properly and whether they are valid measures of credit risk for some groups of consumers, especially minorities and lower-income individuals, says Travis Plunkett, the legislative director for the Consumer Federation of America. Credit scores, which are calculated using proprietary models, also are criticized for a lack of transparency. "This is a product, per se, but it's a product that has inordinate influence on the financial lives of hundreds of millions of Americans," says Mr. Plunkett. Fair Isaac, based in Minneapolis, says it believes it does a good job of explaining the factors that go into calculating the FICO score and in guiding consumers on how to manage their scores. Consumers could start seeing the new FICO scores by the spring, though some lenders may take additional time to test the system to see how it works with their business and loan portfolios. Fair Isaac, which last revamped its scoring model earlier this decade, says it is accelerating its FICO 08 rollout, partly in response to lenders' demand for better risk-management tools. The latest version of the FICO score will largely look and feel the same to consumers and lenders. Scores will still range from 300 to 850 -- the higher the better -- and the model will continue to look at the same factors, including consumers' level of credit indebtedness and payment histories, length of credit histories, number of recent credit openings and inquiries, and the type of credit used, to determine scores. But the new model will more finely slice and dice the information in consumers' credit files to do a better job of separating the "good risks" from the "bad risks," particularly for subprime borrowers; those with "thin," or young, credit files; or consumers who are actively seeking new credit. "Those are the communities that lenders are most interested in" to determine credit risk, says Craig Watts, spokesman for Fair Isaac. "Consumers who are low risk will score better with the new FICO version, and consumers who are high risk will score lower," says John Ulzheimer, president of consumer education for Credit.com, a personal-finance Web site. Higher-risk borrowers may find it tougher to get credit, while those with less-risky profiles -- though they may have gotten approved for credit accounts in the past -- will start to get better deals from lenders, he says. Two people with the same FICO score currently could see their scores diverge under the new system. One possible reason: FICO 08 gives more points to consumers who maintain a variety of credit types, such as credit cards, a mortgage and auto loan, because it shows they can manage payments on different kinds of loans. On the other hand, the new scoring system penalizes to a greater degree borrowers who use a high percentage of their available credit. FICO 08 also will draw greater distinctions among different borrowers who are at least 90 days late in making a loan payment, known as a serious delinquency. Traditionally, many credit-scoring models grouped subprime consumers into one general category. But Fair Isaac says its new model will give a higher score to a borrower in arrears if they also have a number of other credit accounts in good standing. Conversely, a person's score could drop if he or she has multiple delinquent accounts. "Overall, more consumers will see their FICO scores go up slightly than will see their scores drop," says Tom Quinn, vice president of global scoring solutions for Fair Isaac. Despite the new scoring model, consumers still have to make sure the information in their credit reports, which Fair Isaac relies on to come up with its score, is accurate. If consumers feel their FICO score is unfair, they would have to go to the individual credit bureaus, Experian Group Ltd., TransUnion LLC and Equifax Inc., for a copy of their credit report on file and look for any errors or missing information. If there are any, they would have to contact the credit bureau or the financial institutions to dispute those errors. FICO 08 also aims to curtail the growing business of allowing people to polish their credit by "piggybacking" on someone else's good credit history. In recent years, credit-repair Web sites have sprung up that arrange for subprime consumers to boost their scores by becoming authorized users on accounts held by strangers with better credit. When scoring a consumer, FICO 08 won't take into consideration credit-card accounts for which that person is an authorized user. But the move also will hurt legitimate users: People who give a credit card to a child or a spouse as an authorized user to help boost their credit score. FICO 08 is likely to face some competition from VantageScore Solutions LLC of Stamford, Conn., a joint venture of the three credit bureaus that was rolled out in 2006. Fair Isaac has sued VantageScore and the three bureaus, accusing them of using unfair and anticompetitive practices to harm the FICO brand. Recently, Equifax linked the suit with the launch of FICO 08. The company has said it wouldn't move forward with FICO 08 and that its relationship with Fair Isaac remains "strained" until the lawsuit is resolved, says David Rubinger, Equifax spokesman. The new FICO model has already been distribu

Re: blower control module [carbdude]

by dlqchris on Tue Dec 04 16:17:19 PST 2007

Monty, I have a 1997 Aurora with the exact same problem. If you don't mind, I would really appreciate knowing what you find out. I am doing some research as well, and I will let you know if I get any answers. So far, it sounds like the blower module. Thanks Quinn quinn.christensen@intermountainmail.org

Re: ljflx needed for opinion [cyclone4]

by twq83 on Sat Apr 21 07:14:47 PDT 2007

Just chiming in with my $0.02 .......... cyclone4, if you ask me Mr. Hoffman has a bone to pick with any V-8 Hybrid ........ ( his last article on the Accord V-6 Hybrid reads like a copy of the Lexus opinion. But it is just that ..."HIS" opinion!!! We don't know how the vehicle was outfitted ..... according to the video it has the Executive Class Seating Package ( the 11.7 cf Trunk gives it away ) and that is the reason for the increase in weight. Even so I have driven Hybrids for the last 7 years ( 2000 Prius, 2005 Prius, 2007 Camry Hybrid, Rx 400h, GS 450h, and can't wait to get my hands on a LS 600hL to try out!!!) and in every case I have been able to exceed the EPA mileage estimates on a regular basis ( Best trip= Virginia to Vermont and back 71.4 mpg ...... 77% Highway driving ). I would not expect Edmunds to drive like me but I'm sure they put the "performance exercise" to the test there way. Remember Edmunds screaming about legal suits to prevent Toyota from posting 60/51 on the Prius since they couldn't arrive at that. How many stories have you heard since then of people not only obtaining it, but, surpassing it!!!! Let the "officials" do all the testing and suppositions!!! Then get in it yourself and see what you think. C&D, Motor Trend, Hybrid.com, Consumer Reports, all are going to have there opinions......... And that just what they are. Get in it and drive it yourself ...... then make your decission. If you can't get 25/30MPG Average ....... I'll come to you and show you how to do it. Thanks for letting me rant ;) Tom Quinn