This job connects me to a lot of interesting people. I get a handful of questions from consumers, reporters and industry insiders each day.  Just yesterday, I had a great conversation with an Attorney General investigator about piggybacking.

The email I opened this morning was more than a little worrisome. It was from a high-level risk management executive from one of the nation&39;s largest mortgage lenders. The question: Tell me more about this FICO score change? When will it take effect?

Uh oh. Consider the danger of a mortgage risk management executive not knowing that FICO is going to stop counting authorized user accounts in their credit scores starting this month. That some 3 million credit scores are set to drop because of this change. Right when we hit the peak of the ARM resets. A change that was announced way back in June.

I guess I should just be glad that they came to us now, right?

Emily Davidson – Credit.com&39;s Communication Director and former TransUnion credit expert. Emily writes about credit reports, credit cards, loans and personal finance as the CreditBloggers.com moderator.