Consumers Union, the nonprofit publisher of Consumer Reports, the Consumer Federal of America, the National Consumer Law Center, U.S. PIRG, ACORN, Consumer Action, and the undersigned state and local consumer and community organizations from many parts of the U.S., ask you to act now to prevent the use of FICO-developed credit scoring models and insurance scoring models from making erroneous predictions that could have a devastating effect on the financial future of families who have lost loved ones, homes, jobs, or mail access as a result of Hurricane Katrina.