that said, you know, fico is not the best model. but you know, the model on certain levels all the way down, all the way at the highest end, does work to a certain extent. if someone has a very, very low fico, there's probably other extenuating is, that's cause them to be there. >> do you see that wells fargo or somebody might adopt this idea? is this a big that big businesses might get into this? this disruption? >> amazon does make its infrastructure available to others through amazon web services and other things. >> sure. >> in that regard, why isn't that a better business model? >> our mission at earnest is better access to credit to millions of americans at earlier ages and at cheaper prices. i would love it if wells fargo, jpmorgan chase, started doing better underwriting and offering cheaper prices to millions of americans. >> louis, the website is meetearnest, correct? thank you for being with us. we'll be back in a moment. >>> welcome back. i assume you're familiar with "ted" talks. they're free, even though a tick to the

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fico scores are used in 90% of credit decisions. it's just ordinary fleece but the comfort it provides is immeasurable. the america red cross brings hope and help to people in need every 8 minutes every day. so this season give something that means something. so ally bank really has no hidden fees on savings accounts? that's right. it's just that i'm worried about you know "hidden things..." ok, why's that? no hidden fees from the bank where no branches equals great rates. >>> welcome back to "first look." more coverage, of course on the debris found on the air asia flight. let me give you an update. we are looking at the cold outbreak across the country as advertised. windchill warnings in many spots. windchill warnings out there. 15 different states with warnings or advisories and the windchills as low as 10 in al bee kwir key. zero in chicago. not a lot of snow. a little bit across kansas. driving on interstate 70 or 35 north of wichita. it's colder in new england today. bundle up. in the northwest not too bad. just chilly. the n

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fico scores are used in 90% of credit decisions.ry fleece but the comfort it provides is immeasurable. the america red cross brings hope and help to people in need every 8 minutes every day. so this season give something that means something. >>> good morning. i'm carol kos tell he. thank you so much for joining me. in indonesia, the monsoon season rolls in. the look reality of the airasia crash hits home. the first victims arriving on shore in wooden boxes labelled 001 and 002. zbrim grim reminders of the 160 other victims as bad weather descends on the java sea. also conflicting information in the search for answers. one official saying sonar may have located underwater wreckage but the airline is playing down that big break. >> the search-and-rescue team is doing a fantastic job and they're narrowing the search. they are feeling more comfortable but they are begin beginning to know where it is but there is no confirmation of them no sonar, some visual identification but nothing confirmed. >> cnn's paula hancocks is live with the

>> because the cost of changing from one fico model to another fico model or from fico to an alternative credit scoring model are heavy. and the systems that have to be adjusted are complicated. so what we're trying to do now is get through an analysis of not only fico 8 and 9 but an alternative scoring credit scoring model and try to come up with a system that is a better system and then adjust the operational things that it would take to -- >> let me cut you off there. i only have a little bit of time. i encourage you to put pedal to the metal in that regard. >> we have pedal to the metal, we are at it. i guarantee you. >> i'm not quite persuaded of that, but thank you for pursuing it because a lot of people would be more fairly treated with an appropriate credit model. i wanted to turn to first place insurance. there's been reports from npr and ap recently but these issues go back a long ways. it's something i've been pointing out for a long time. the kick backs that go to mortgage insurance often drive people into foreclosure and of course that has an impact on your agency. i underst

fico scores are used in 90% of credit decisions.but ended up nowhere. now...i use this. the nicoderm cq patch with unique extended release technology helps prevent the urge to smoke all day. i want this time to be my last time. that's why i choose nicoderm cq. >>> it's about eight hours until sunrise in indonesia when search planes can return to the skies and scour the java sea for any signs of flight 8501. when the search resumes, crews will face an expanded new area to canvass. cnn's paula hancock is at the staging area for the search. >> reporter: the search-and-rescue operation for the missing airasia plane has grown in size this monday. we are at the airport on the island of belitung. all day search and rescue helicopters have been coming in. they're going out on sorties, come back here to refuel have a briefing to find out where they should be going next and heading off. this is becoming one of the staging areas for this search-and-rescue operation. now, this island is one of the closest areas to that last point of contact tha

fico, big analytics company. as we move to this world of big data, those application cans scale up quickly. you get some companies who want to run it as a service, others want to run it in their own day center. so fico is standardized on red hat open shift which is our platform as a service. so those application cans run and scale out easily on fico's infrastructure but they can run just as easily on a company's own infrastructure. the traditional scaleup model of infrastructure was you build a piece of infrastructure for an application. in this new world you need to have your infrastructure run anywhere and it has to be able to scale easily. so fico is another great example of a substantial customer win just recently for all of their new analytics application. >> i'm going -- as i said, i texted out a bunch of calls and there's always 25 to 25. you always seem to win. is anyone trying to challenge you? you're getting so many wins. it's a given, no one has come in to try to challenge red hat? >> well, i wouldn't

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get the it card and see your fico® credit score.ence, missouri. she's been a hairdresser and cosmetology instructor for 60 years. i didn't come here for a haircut. i came for a history lesson. >> we did research on this one, and those names we came up with new zealand. that's where more of those names are from. >> how in the world did -- i guess dna? you took strands of hair? >> no. we just googled the names. >> that's much simpler. for instance, this is a family? >> no. before women were allowed to go to college they went to finishing school. that lady is singing. this is reading. this is music. this is painting. this one is either cutting hair or maybe a hairdresser. this one has her fancy work. >> fancy work? >> her collar and the three pieces in front of her. that's what my grandmother would have called that. fancy work. the things you do with your hands. >> that's fancy work? >> uh-huh. >> i've done some fancy work in my time. what was your grandmother's name? >> georgette. >> where did leila come from? >> my dad's old girlfrie

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so i'm looking at my bill, and my fico® credit score's on here.we give you your fico® score each month for free! awesomesauce! wow! the only person i know that says that is...lisa? julie?! at discover, we treat you like you'd treat you. get the it card and see your fico® credit score. >> that does it for us. thank you for watching. our coverage continues now with "cnn tonight" and don lemon. >> on the move for a second night in a row. even greater number, outraged over the chokehold death of eric garner in new york city. the grand jury's decision not to indict officer daniel pantaleo. the outrage is spreading, here in new york city in chicago. we'll take you to all of them this evening. this is cnn tonight. i'm don lemon. as more and more take to the streets. america is facing tough questions about law and order, about black and white, and about our police and how we want them to do their jobs. we want to get into all of that tonight with our legal and police experts. so much to get to. first i want to get right out off to the middle of the street

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i know i have a 798 fico score, thanks to the tools and help on experian.com. kaboom... well, i just have a few other questions. >>chuck, the only other question you need to ask is, "what else can you do for me?" i'll just take a water... get your credit swagger on. become a member of experian credit tracker and find out your fico score powered by experian. fico scores are used in 90% of credit decisions. >>> the big cap tech names that may be bracing for a major shake up. and a decent holiday season for retailers. but what about 2015? that and much more. >>> thanks sue. shifting gears to a trade that is working now and jon najarian spots unusual activity in coach a couple weeks. the couple calls have more than doubled since then. and he is the co-founder -- really? >> of option monster.com. >> you know what you can just do this from now on. >> i never tire of hearing that. by the way this coach trade folks, the rumors were lvmh or somebody else may be stalk them. we talked about the weekly trade and the january 35 calls. they have more than doubled and we are taking it

i know i have an 810 fico score, thanks to the tools and help on experian.com.g idea is hot dogs shaped like hamburgers? nope. hamburgers shaped like hot dogs. that's not really in our wheelhouse... you don't put it in a wheelhouse. you put it in your mouth. get your credit swagger on. become a member of experian credit tracker and find out your fico score powered by experian. fico scores are used in 90% of credecisions. >>> before the break we asked if you know the current minimum wage. it is kind of a tongue and cheek trick question because the answer is zero. it has always been zero and will always be zero because if you don't have a job there is no minimum wage. experts say higher minimum wage going into effect will lead to less jobs. kate rogers is here to talk about the higher minimum wages. >> some 3 million workers around the country will be getting a raise to ring in the new year. beginning on january 1 ten states see increases to minimum wage rates thanks to ballot measures passed in mid term elections. another nine states get hikes. new yorkers get th

i know i have an 810 fico score, thanks to the tools and help on experian.com. and your big idea is hot dogs shaped like hamburgers? nope. hamburgers shaped like hot dogs. that's not really in our wheelhouse... you don't put it in a wheelhouse. you put it in your mouth. get your credit swagger on. become a member of experian credit tracker and find out your fico score powered by experian. fico scores are used in 90% of credit decisions. in my world, wall isn't a street... return on investment isn't the only return i'm looking forward to. for some every dollar is earned with sweat, sacrifice, courage. which is why usaa is honored to help our members with everything from investing for retirement to saving for college. our commitment to current and former military members and their families is without equal. start investing with as little as fifty dollars. >>> in this hour brent crude bouncing off session lows and nearly turning positive as many traders buy in to thinking the slide may be over. >>> yamana gold after prices road about 1.5%. and keurig seeing a sell

i know i have a 798 fico score thanks to the tools and help on experian.com. kaboom...ell, i just have a few other questions. >>chuck, the only other question you need to ask is, "what else can you do for me?" i'll just take a water... get your credit swagger on. become a member of experian credit tracker and find out your fico score powered by experian. fico scores are used in 90% of credit decisions. >>> four months after a mentally ill unarmed black man was fatally shot by los angeles police, the official autopsy report has been released. coroner's report shows 25-year-old ezell forward was shot three times. the gunshot wound on his back showed the surrounding skin had a muzzle imprint suggesting the shot happened at very close range. last night several dozen protesters took to the streets in l.a. shutting down traffic briefly after the report was released. los angeles police chief charlie beck told reporters the officers involved in the shooting say they shot ford when he reached for one of the officer's guns. chief beck said the investigation is still ongoing and p

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fico scores are used in 90% of credit decisions.ry fleece but the comfort it provides is immeasurable. the america red cross brings hope and help to people in need every 8 minutes every day. so this season give something that means something. >>> personal story segment tonight, behind the scenes process of creating killing lincoln. martin dugard has collaborated with me with all of my history books in the killing series. many of you have asked how that collaboration works. tonight, marty joins me to reveal our secrets. >> so think back to early 2011, you get a call from eric simonoff a literary agent to the stars, all right? and he asks you opportunity to write a book with me? >> yeah. >> now, you have got to be honest dugard, you don't know me. you never met me. what was the first thing that popped into your mind. >> i need to watch the factor and see who this guy was. >> you didn't know who i was? >> i knew how were but i never watched the factor. so then i got got in my car i was in mammoth mountains. four miles from the nearest

so i'm looking at my bill, and my fico® credit score's on here.that says that is...lisa? julie?! at discover, we treat you like you'd treat you. get the it card and see your fico® credit score. >>> its is one of robin williams last performances. the newest film "night at the museum" trilogy shanel sat down with the cast. >> it was a great assignment and talent packed in one room. it's already garnering box office buzz. its stars ben sh s ben stiller wilson tell what happens after dark. >> $1 billion in global ticket sales? >> i don't know. >> that's a lot. come on. why do you think it has such appeal? >> it has a tone about it i think you can connect with the characters. it's funny. >> you and i both know there's something magical at the museum. sun goes down, everything starts to glow. >> it has a real story. i don't know. it seems something people can identify with. >> this one i did the computer thing, the lol. the first one i don't know if that texting was a big thing. >> do you know how in movies everybody is giggling. you get the person that

get the it card and see your fico® credit score.sverybody. to more places than anybody on earth. we have the speed. we have the technology. and we have the team. we made over 15 billion successful deliveries last year. 15 billion! football has a season. baseball has a season. this is our season. into one you'll never forget. earn triple points when you book with the expedia app. expedia plus rewards. >>> for a lot of people, seeing is believing. that's been a big part of the reaction to the death of eric garner. people across the nation have fill the streets, calling for justice. they have all seen this terrible video and were shocked by the grand jury's decision not to indict. these pictures changed minds. just like during the civil rights era. in 1963, a photographer took this picture of dogs attacking a high school student during a protest in birmingham, alabama. the next day that photo hit the front pages of "the new york times," exposing the brutality. many americans had never seen this kind of thing before and it changed how t

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i know i have a 798 fico score thanks to the tools and help on experian.com. kaboom...e a few other questions. >>chuck, the only other question you need to ask is, "what else can you do for me?" i'll just take a water... get your credit swagger on. become a member of experian credit tracker and find out your fico score powered by experian. fico scores are used in 90% of credit decisions. >>> welcome back to killing lincoln, a factor special. as most of you know i sent jesse watters out to talk to the folks about a variety of things. tonight, in a watters world original, jesse finds out what americans really know about abraham lincoln and his final days. >> abraham lincoln. >> yeah. >> why is he so important do you think? >> civil rights? >> do you like him? >> i love him. >> you love lincoln. >> i would venture to say i'm upset about lincoln. >> i think he just craves a little affection. >> when was lincoln president. >> 1850. >> civil war era. >> 4 o0, 50? 60? >> 1850? [ buzzer ] >> 1860s. >> 1860s yes. >> 1886? [ buzzer ] >> around when was lincoln president? >> 1860s

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