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The genesis of the sub prime fiasco that resulted in this catastrophic financial melt down began with flawed credit reports. These were the bed rock upon which this house of cards was constructed. But the big question is how could these villains have escaped censure during the media blitz of the past year that blamed anyone remotely responsible? This gold standard of the FICO scores fails even base metal quality. How can these most malignant contributors be over looked and forgotten? Just how have they seemingly totally escaped criticism? Proof of inflation FICO scores is the elephant outside that is evidenced by the millions and millions of existing bad loans complete with documentation. Proof of misdeeds are legend. No conversation will be sufficient to offset these lies accepted as gospel. FICO is a four letter word explains it all.