van tadge has a predatory straight forward a, b, c, d. so if i'm 90 to 100 i'm in the best range, 80 to 90, so on. host: do you represent vanityage score? host: they're a wholly owned company of eck we fax. but members do own it zoofplt is fico part? guest: it has been at times and currently it is not. host: the next can call from phoenix. caller: good morning. tunchinge. -- taunching. what i wanted to talk about is the model for scoring is broken. as you noted earlier, one of the things that can advrsly affect your score is if your outstanding balance approaches the maximum loan limit. what the banks are ding is reducing your limit to whatever your outstanding balance is. so you go from, i had scores in the high 800s. i am now in the low 600s. i haven't missed a payment. i'm running my business well. it's making money. i'm paying everybody. haven't done anything wrong but i can't get a business loan as a result of what my score is. host: reply? guest: there is definitely been a change in lender behavior in the short term. the recession h