Credit and credit scoring can be a mysterious, complex subject, which means any journalist trying to cover this area of personal finance needs great sources. I’ve been extraordinarily fortunate to have found experts who not only knew their fields, but who were willing to spend time helping me under-stand them, too. At the top of this list is Craig Watts, spokesman for Fair Isaac Corp., who invested hours researching and carefully answering my endless questions. Several of his current and former colleagues at the company were also gen-erous with their time and expertise, including Ryan Sjoblad, Lamont Boyd, and Barry Paperno.
