let's start with this idea that fico doesn't -- my fico score is so important. but somehow you're not the credit rating? >> the way it works is we're an analytics company and we produce the algorithm and the score. but we don't have any data. so the data is held by a credit bureau, by someone else. and they use our algorithm to produce the score, which they then share with banks, that's how the credit determination is made. >> i have a macy's bill, i don't pay the macy's bill. it's ex-peerian or others who know i depart pay the bill and they tell you? >> exactly. we're, a bank is trying to figure out whether you're likely to repay a loan if they give you a loan. so the best predictor for that turns out that if you have to pick a single data set, the best you could look at is whether you're good at paying things in the past. >> sure. >> so a data set that provides that information is what we call tradeline data. whether you paid your credit card bill on time. that turns out to be highly predictive of your propensity to pay debt and the fico score predicts your pr

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. visit experian.com/all3 right now. be noisy. be silent. be near. be far. be joyful. be together. celebrate joy with dunkin's holiday-flavored coffees, espressos, and donuts. thank all the workers at this plant" trump is giving a big thanks to workers and voters.. while making big announcements on his "thank you" tour. the results are in! we're talking the oh-so-popular presidential debate at u-n-lv.. and what it did for the valley. cc will resume shortly good morning it's 7: on this , welcome back to fox five news this morning. we'll have the latest on all your with cassandra jones for a look at your weather. good morning i'm with fox5. the big story today will be gusty winds across southern nevada for friday. wind gusts around the las vegas valley will be in the 30 to 40 mph range. even stronger wind is expected along the colorado river valley. a wind advisory will be in effect for mesquite, laughlin, and lake havasu

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. i really did save hundreds of dollars on my car insurance with geico. i should take a closer look at geico... geico has a long history of great savings and great service. over seventy-five years. wait. seventy-five years? that is great. speaking of great, check out these hot riffs. you like smash mouth? uh, yeah i have an early day tomorrow so... wait. almost there. gotta tune the "a." (humming) take a closer look at geico. great savings. senator harry reid announced that a new tier one transportation center will be coming to u-n-l-v. one-point-four million dollars was approved for the project. the center will join others in the country and will be focal point of research by advancing the high-speed rail infrastructure. it will also help boost the economy and reduce our dependance on foreign oil. this will be the second transportation center in nevada-- after one at u-n

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. through las vegas for champion's week! it's a celebration cup series season. fox five's chief meteorologist ted pretty is at "the park"... and shows us what fans can expect this year. closed captioning closed captioning will resume the rodeo is back in las vegas! the thomas and mack center will host the wrangler national finals rodeo. it's being called the super bowl of rodeo! hundreds will compete in bull riding... bare back riding... calf roping... and barel around the valley -- there will be plenty of parties leading up to the big events. today -- we got a preview of downtown las vegas events center... where celebrations will take place every night. the 20-thousand square foot venue has been transformed into a country theme. "you cant always get to thomas and mack and if u cant this is great place to watch. great catering road kill grill. enteratinment after should be a great time." the "national off tomorrow at th

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. three deadly shootings in the last two days.. and as of tonight .. metro has investigated 157 homicides this year alone. i'm john huck. i'm christine maddela. it's the highest number of homicides in metro's jurisdiction in a decade. fox5's eric hilt sat lieutenant -- and joins us now live with his opinion of what's happening. closed captioning will resume shortly "it breaks my heart, because who would do this to him?" that's what julie jimenez told fox5 after her boyfriend, jose de jesus, was shot and killed in a drive-by shooting in may... a murder would unfortunately become one of many in 2016. "now it is getting so dangerous" and this has been more more dangerous than most others... there have been 157 homicides in metro's jurisdiction this year.... that number matches a 20- year-high in the highest number on record for metro -- 167 homicides in 1996. "everybody shou

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. there's much more ahead on fox5 news coming up at 5 o'clock. christine maddela joins us from the newsroom with what to look out for. if you like this cold weather ... and are the type of person who can't get enough.. we have good news. we now know when lee canyon will open for the season! and after more of these freezing knights there should be a good base for opening day! and then ... this former number one golfer is back on the links today... but tiger woods has fallen in the ranks... and you'll be surprised by some of nascar's biggest stars are in town for champion week. this event is taking over the strip... and fox5 chief meteorologist ted pretty joins us from the park to show us what's happening there. closed captioning will resume remain on the cold side tonight with overnight lows falling into the mid to upper 30s around the las vegas valley. we'll see a few clo

because 90% of top lenders use fico scores, n, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. visit experian.com/all3 right now. am i actually pushing these guys who ran out of gas six miles on a lonely highway? or is this a metaphor for how i'm constantly pushing myself to make a tastier sandwich? like my new pepper jack ranch spicy chicken sandwich with spicy pepper jack cheese, spicy ranch, and spicy all-white-meat chicken. but judging from the third-degree sunburn, and the fact that i can't feel my legs, i'd say i'm actually pushing this car. y to get new customers. the pepper jack ranch spicy chicken sandwich. taste it before it's gone. this is fox5 news at 11. local las vegas. three people are injured in a house fire in north las vegas tonight... i'm christine maddela. i'm john huck. we go straight to fox5's cyndi lundeberg-- who is live at the scene near civic center and evans with more.

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. paid parking. that's seems to be the new trend on the las vegas strip. both caesars and wynn resorts have announced new parking fees for their properties. fox5's faith tanner is live on las vegas boulevard. with more on how visitors are reacting to the news. the days of easy, free vallet parking-- seem to be coming to end-- especially right here on the strip. where nearly a dozen properties will begin to start parking fees. caesars entertainment-- will start charging 8 to 18 dollars for valet parking... depending on the location. vistors will also have to pay to self park--- those prices haven't been announced yet. but there's good news for locals-- we'll be able to self park for free. less then a day after the from caesars-- wynn resorts announced-- drivers will be charged 13 to 18 dollars for valet parking. for now-- self parking at wynn and encore will still be free.

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. visit experian.com/all3 right now. [ cheers and applause ] >> seth: our next guest is the lead singer of tonight's fantastic punk band, against me! her new memoir "tranny: confessions of punk rock's most infamous anarchist sellout" is in stores now. please welcome back to the show laura jane grace, everybody. [ cheers and applause ] ?? >> seth: thanks for being here. >> thank you for having me. >> seth: as you know, i'm a huge fan. and thank you for doing double duty and both talking to me and then playing with the band later. >> i appreciate it, yeah. >> seth: so this book is fantastic. it's -- because you used tons of your old journals. >> i did. >> seth: you've been someone who has saved journals your whole life. when was your first journal entry? >> when i was 8 years old. i -- my father was in the army and was stationed in italy, and he had to do a training exercis

because 90% of top lenders use fico scores, but you never know which bureau they'll check. ree. sign up to start getting better at credit today. visit experian.com/all3 right now. undocumented students... letting them know they will be safe in southern nevada schools and colleges. cc will resume shortly 7: on this , welcome back to fox five news this morning. we'll have the latest on all your top stories... but first let's check in with cassandra jones for a look at your weather. good morning i'm cassandra jones with fox5. it will be another cold sunrise. we'll see a few clouds drift across the area, keeping temperatures up just a degree or two compared to last night. skies will be mostly sunny on thursday with a forecast high of 55 degrees in las vegas and afternoon breezes 10-20 mph. another system dives into the area friday, bringing another shot of cool air along with g winds out of the north. high temperatures will be in the mid to low 50s with wind gusts around 30 mph. the strongest winds will be east of las vegas along the colorado river. a wind advisory takes effect at 7

that's why experian gives you all three credit reports... ...and fico scores from all three major bureaus. check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. the presidential election hasn't gone away yet. five counties in nevada will have their votes recounted. they are clark... carson city... douglas... mineral... and nye. independent presidential candidate -- roque de la fuente -- paid around 14- thousand dollars for the recount. he finished last in the state... but says he wants to counterbalance a recount that green party candidate jill stein requested in wisconsin -- which donald trump won. hillary clinton won nevada. election officials say state law requires the five counties to start the recount within five days... and complete it within five additional days. more than a million android phones have been infected by hackers... because of illegitimate apps. hackers have access to google accounts... emails... photos... and documents. that's according to computer researchers at "check point" -- a cybersecurity fi

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. [ cheers and applause ] >> seth: my thanks to casey affleck, rebecca romijn. michael che, everybody. atom willard. 8g band. stay tuned for carson daly. we'll see you tomorrow. [ cheers and applause ] ?? ?? ?? ?? >> carson: hi there, i'm carson. it's nbc, you're watching "last call." thank you. tonight we got a good one for you. were coming to you from skylark

quarterback joe fico dipsticks inferred eight-yard shot down. now down 23-17. delivers big. dashes up with a 79-yard touchdown. ray throws 406 yards and three touchdowns for the win. the los angeles rams make a surprise move. the team firing had coach a shared after four plus seasons with the team. the loss was the final straw for months after they gave fisher contract extension. taking over for the final three games. and basketball and nailbiter in los angeles. the clippers versus the trail blazers. third quarter the clippers comeback and find jordan for the ali you. the fourth quarter just over. chris paul gets the rebound past. the clippers going to wind 121- 120. lauren: what a drag for this one. hazing ritual does wonder woman and dallas cowboys cheerleaders now been majorly baseball has created an anti-hazing and type in policy that prohibits the days. as part of the sports new labor deal said to be ratified by players and owners today. the league says the ban is part of the crack down on behavior construed as bullying or humiliating to others by playing

fico score is 730 for the average new buyer. it's very hard. there are constraining reasons.ok value there -- >> that home builder sentiment yesterday, best sent nment a decade plus. >> we need deregulation. we need banks to make that loan and not feel like they're going to get hurt by the regulators saying why did you make that loan to a 680 fico. i don't want downpayments to where they were in 2006. i'm just saying i it's still hard to get a loan. harder than people realize. >> this facebook story. >> fake news? >> rolling out some rules to help users address or at least recognize what some say could be fake news. the company saying, we don't want to be arbitrators of what is truth. >> i think facebook is doing a lot of things right. i thought that was a nice preventive. when you look at facebook, they have to figure out how to monetize video. i'm saying that because zuckerberg stressed it in two conference calls. having done facebook live, it's amazing how little money was attached to it they have to figure out how to monetize facebook live. >> did you like your fed day ex

pause in the country every time you try to buy a house, and that is this whole financing issue, your ficohat, you have to have a 730, 740. i'm not asking for 500. but the old day where they look at your balance, ask about your job and give you a loan has to come back. >> but does it change fast enough before rates go up there? >> that's why i think that exactly, the home builders are pushed. that's why i would rather own home depot. >> forgive me for interrupting. make a quick point you wanted to. >> i would just say -- i would say that focus on the home builders where the consumer of the home is not in a position where getting a loan is going to be a problem. toll brothers technically is a better setup than the other names for that exact reason. >> i think kb homes is a great takeover candidate because of their unbelievable real estate in california. the stock has been levitating. i still believe it. toll made that great acquisition in california that helped them. kb homes. >> quick break. final trades on the other side. >>> in a couple of minutes that we have left, let's kick around dis

. >>> this week, we get the score on fico. with the company's ceo.ctors. from deloitte's theresa briggs, and inside genetic testing labs with eric evans, chief science officer at counsel. our reporters, fast company mark sullivan and lara mandara, managing editor of "u.s.a. today," this week on "press: here."

high fico scores. not saying they don't want to buy. >> interest only arms again. just bring those back. everything will be fine. >> i'm kidding, people. kidding. >> thank you very much. >> thank you. >> one big bio tech just did something that might lead to the eyre of a certain president-elect and potentially even a tweet. the name, the news behind it, straight ahead. when tamara wasdiagnosed with c, her father -who is a doctor- searched t world for place to help save his ughter'life. st. ju! sí, mi amor. we created a treatment at st. jude ildren's research hospi just for tamara... onthat canelp ve we created a treatment at st. jude ildren's kids like r everywhe. includnear you. i ve st. jude. me too and so do parenteverywhere. give thas fothe healthy kids iyour life. dona now at stjude.org me too and so do parenteverywhere. orhop ere you see e st. jude log >>> one bio tech analyst is raising the red flag. meg is here with that story. >> so, this drug called spinraza was approved just before christmas. it's a really exciting drug. it treats spinal muscular atroph

vaquitas que van a ver, son vaquitas no paran de recibir abrazo y caricias despuÉs de un grupo de ciento ficou universidady cuando los compaÑeros se lo dieron fue sorpresa y ahora el joven afortunadamente tiene los zapatos correctos >>> pero quÉ lindo compaÑeros >>> quÉ linda la reacciÓn de Él >>> muy bien >>> pero en suiza se llevÓ a cabo una competencia deliciosa mÁs de 160 participantes de la casita de gengibre, no es organizado por ningÚn pandero o supermercado en vez es el centro narco de arquitectura quien lleva haciÉndolo por 26 aÑos consecutivos >>> quÉ linda tradiciÓn >>> vamos a una pausa ustedes no se ♪ (mÚsica) ♪ >>> gracias por continuar con nosotros si usted apenas nos sintoniza bienvenido a la informaciÓn. tras las rejas un conductor luego de embestir una feria en aleman alemania, unidades especiales entraron hoy a una unidad de recogidos de refugiados por una acciÓn relacionada con el ataque. rusia envÍo este martes a turquÍa un equipo de expertos para investigar el asesinato de su embajador en ankara que fue baleado por un policÍa turco. el atacante de 22 aÑos dijo no ol st o

the new regulators are not going to come in and say, listen, you let a guy with fico at 700, we want20. it won't be as granule is what i'm being told. the regulators come in it won't be jack boot. that will change things. it will make people feel like -- make lenders feel like, you know what, i'm going to give that guy who has a first home with us, a second home. which by the way they don't want to do. they don't want to do that loan. >> understood. >> regulators don't want to see the second home loan. they want to go to another bank. i think that changes. >> politico quotes a bank official saying if you repeal dodd/frank, those rules don't actually necessarily go away. they had in many cases the authority to do those rules anyway, right? >> yes. >> so regulation as in the exercise of regs. >> it's who enforces the regs. if you had an epa guy who's from, i don't know, the old coal -- right? can you imagine that? >> yes. >> get an old guy from arch coal, is he going to tell us dominion and duke going to close those coal plants. >> no. >> is that radical? >> yes. >> well, have you seen