Encinitas Surf Report, Chargers Fall, FICO Credit Shift

Monday October 06, 2025In today's episode, we cover Encinitas surf conditions with waves at two to three feet, peaking at 7 AM with a high tide of four feet. The Chargers lose to the Commanders 27-10, with Justin Herbert's 166 passing yards. The Ohio State Buckeyes maintain their top spot in the AP college football poll after defeating Minnesota, while Penn State and Texas suffer surprising losses. In business news, FICO disrupts the credit-scoring market by offering direct access to its scores, impacting Experian, Equifax, and TransUnion. This change, driven by regulatory scrutiny, could affect mortgage costs. In tech news, OpenAI's Sora app shifts its approach to copyright works, granting more control to copyright holders. In weather, expect partly sunny skies with highs near 68 degrees and light winds. The last southbound exit on The Five before the US-Mexico border will close for three days next week for pipe installation work. In crypto, Bitcoin rises three percent to $124,000. Lastly, AI actress Tilly Norwood sparks debate in Hollywood over creative authenticity and ethical boundaries.@sunnymorningsmedia