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short period (two weeks or 45 days, depending on the generation of FICO score used) will likely not experience a meaningful decrease in their scores as a result of these types of inquiries, as the FICO scoring model considers all of those types of hard inquiries that occur within 14 or 45 days of each other as only one. Further, mortgage, auto, and student loan inquiries do not count at all in a FICO score if they are less than 30 days old. While all credit inquiries are recorded and displayed on personal credit reports for two years, they have no effect after the first year because FICO's scoring system ignores them after 12 months. Credit inquiries that were made by the consumer (such as pulling a credit report for personal use), by an employer (for employee verification), or by companies initiating pre-screened offers of credit or insurance do not have any impact on a credit score: these are called "soft inquiries" or "soft pulls", and do not appear on a credit report used by lenders, only on personal reports. Soft inquires are not considered by credit scoring systems.
299:) has its own database, but the most used are 40. Data about an individual consumer can vary from bureau to bureau. FICO scores have different names at each of the different credit reporting agencies: Equifax (Beacon), TransUnion (FICO Risk Score, Classic) and Experian (Experian/FICO Risk Model). There are several active generations of FICO credit scores: FICO 98 (1998), FICO 04 (2004), FICO 8 (2009), FICO 9 (2014), FICO 10 and FICO 10T (2020). A new type of FICO score named UltraFICO score was released in 2019. The FICO 95 credit score released in 1995 and Equifax FICO 98 scores are no longer in use.
35:
308:
FICO Bankcard Score 8, FICO Auto Score 8, FICO Score 9, FICO Auto Score 9, FICO Bankcard Score 9, and other FICO scores (1998 and 2004 versions). Individuals can get up to 28 FICO scores (10 EX, 9 EQ, 9 TU) on myFICO. Consumers also can buy their FICO Score 8 for
Equifax in the website for that credit bureau, and their FICO Score 8 for Experian on its website. Anyone can register and get their free EX FICO score 8 with Experian
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better a FICO rating, in general. So if a person has one credit card with a used balance of $ 500 and a limit of $ 1,000 as well as another with a used balance of $ 700 and $ 2,000 limit, the average ratio is 40 percent ($ 1,200 total used divided by $ 3,000 total limits). If the first credit card company raises the limit to $ 2,000, the ratio lowers to 30 percent, which could boost the FICO rating.
584:(CFPB) charged both Equifax, Inc. and TransUnion with deliberate deceit of consumers about the value of the credit scores sold, as they were caught providing different scores to consumers than what was being provided to lenders. They were also charged with deceit by charging recurring fees to those enrolled in trial services. The agencies were required to pay $ 23 million in fines and restitution.
332:. This score was introduced in 2001 (FICO score NG1), and in 2003 (FICO score NG2) the second generation of NextGen was released. In 2004, FICO research showed a 4.4% increase in the number of accounts above cutoff while simultaneously showing a decrease in the number of bad, charge-off and bankrupt accounts when compared to FICO traditional. FICO NextGen score is between 150 and 950.
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and overall immorality are some of the concerns raised regarding the system. The scoring system has also been studied as a form of classification to shape an individual's life-chances—a form of economic inequality. The classification scheme is necessitated by the loss of collective social services and risk. The credit scoring system in the United States is similar to the
526:. The FTC tracks various scams and reports on other sites that provide fake credit reports or charge fees for their services. Instances of illegal behaviors by credit report services have been settled in court such as that of Experian Consumer Direct that was charged with deceptively signing people up for credit report monitoring services that charged them monthly fees.
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these scores do not replicate the FICO score and may be substantially less accurate if they use less complete data. They also assign different score ranges and rankings to consumers, which has created confusion among consumers who expect to have a single score number. Discussions on the myFICO forum and elsewhere have referred to non-FICO scores as
52:. The reason given is: References to "credit bureau branded" credit scores, like Beacon, NextGen, and Pinnacle are obsolete. Current nomenclature is a numbered FICO model with an optional industry type. If old names are to be included for historical purposes, they should be in a separate "history" section..
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In 2020, a
Pennsylvania man filed a lawsuit against TransUnion over being mislabeled as a terrorist due to having the same first name as suspected terrorists. This was not the first instance as similar events occurred in 2007 in Colorado where a woman's credit report labeled her as a drug trafficker,
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federal lawsuit, the
VantageScore market share was less than 6% in 2006. The VantageScore methodology initially produced a score range from 501 to 990 (VantageScore 1.0 score and VantageScore 2.0 score), but VantageScore 3.0 score adopted the score range of 300–850 in 2013. The VantageScore 4.0 score
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There are several types of FICO credit score: classic or generic or general-purpose score, industry-specific scores (bankcard score, auto score, mortgage score, personal finance score, and installment loan score), XD score, NextGen risk score, and UltraFICO score. The classic FICO credit score (named
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Credit scoring systems have garnered considerable criticism from various media outlets, debtors unions, consumer law organizations, and government officials. Discrimination against prospective employees, rejection of rental applications, racial bias, poor risk prediction, manipulation of algorithms,
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FICO credit score in 2006 was 723 and 721 in 2015. The average FICO Score 8 in the US was 710 in 2020 and 716 in April 2021. The FICO bankcard score, FICO auto score, FICO personal finance score, and FICO installment loan score are between 250 and 900. The FICO Mortgage Score and FICO Score XD 2 are
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Getting a higher credit limit can help a credit score. The higher the credit limit on the credit card, the lower the utilization ratio average for all of a borrower's credit card accounts. The utilization ratio is the amount owed divided by the amount extended by the creditor and the lower it is the
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in China. The use of credit information in connection with applying for various types of insurance or rental applications has drawn criticism, because obtaining and maintaining employment, housing, transport, and insurance are among the basic functions of meaningful participation in modern society,
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and was released in 2016. Mortgage lenders use EX FICO Score 2, EQ FICO Score 5 and TU FICO Score 4, but not a real FICO Mortgage Score. Consumers can buy their FICO scores plus credit report for
Equifax, TransUnion, and Experian from the FICO website (myFICO), and they will get their FICO score 8,
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Debt burden (30%): This category considers a number of debt-specific measurements. According to FICO there are six different metrics in the debt category including the debt to limit ratio, number of accounts with balances, the amount owed across different types of accounts, and the amount paid down
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Lenders may choose to use non-FICO credit scores to gain additional insight on consumers, especially those with limited traditional credit history who might be difficult to score. These scores may be added to the FICO score if they provide unique insights or used instead of the FICO score if they
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A number of scores have been developed to help consumers understand and improve their credit scores. Most were introduced before FICO began sharing details of their model and encouraging lenders to share scores with consumers. While these scores can help consumers monitor and improve their score,
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The FICO Small
Business Scoring Service (SBSS) score is used to evaluate small business credit applicants. This score can evaluate the personal credit report of a business owner along with the business credit report of the business itself. Financial information of the business may be evaluated as
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Recent searches for credit (10%): Hard credit inquiries or "hard pulls," which occur when consumers apply for a credit card or loan (revolving or otherwise), can hurt scores, especially if done in great numbers. Individuals who are "rate shopping" for a mortgage, auto loan, or student loan over a
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The makeup factors are limited to the individual's past (and continuing) behavior on credit. Contrary to common misconception, other financial factors such as age, employment status, assets, or income are not accounted. However, lenders are not prohibited from asking about and accounting these
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Consumer Score designed for financial account verification services ranging from 100 to 899. The L2C (Link2Credit) score by L2C, Inc. ranges from 300 to 850. Scorelogix LLC offers the JSS Credit Score, which assesses credit risk based on job history, income, and the impact of the economy. A
2154:
545:, which insurance companies then use to rate the insurance risk of potential customers. Studies indicate that the majority of those who are insured pay less in insurance through the use of scores. These studies point out that people with higher scores have fewer claims.
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Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulas for calculating credit scores are secret, FICO has disclosed the following components:
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These percentages are based on the importance of the five categories for the general population. For particular groups—for example, people who have not been using credit long—the relative importance of these categories may be different.
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Equifax agreed to a settlement of $ 575 million with the
Federal Trade Commission, the CFPB, and states related to a data breach that occurred in 2017 where 147 million people were affected by their personal information being exposed.
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or "time in file" (15%): As a credit history ages it can have a positive impact on its FICO score. There are several metrics in this category, most significantly the average age of the accounts on a report and the age of the oldest
548:
In 2009, TransUnion representatives testified before the
Connecticut legislature about their practice of marketing credit score reports to employers for use in the hiring process. Legislators in at least twelve states introduced
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banned denying credit on gender or marital status in 1974, along with race, nationality, religion, age, or receipt of public assistance in 1976. Credit scoring adoption accelerated to shield against discrimination lawsuits.
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Credit scores are often used in determining prices for auto and homeowner's insurance. Starting in the 1990s, the national credit reporting agencies that generate credit scores have also been generating more specialized
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Payment history (35%): Best described as the presence or lack of derogatory information. Bankruptcy, settlements, charge-offs, repossessions, foreclosures, and late payments can cause a FICO score to drop.
522:, where users can get their free credit reports. Non-FICO credit scores are available as an add-on feature of the report for a fee. This fee is usually $ 7.95, as the FTC regulates this charge through the
263:
FICO credit score) is between 300 and 850, and 59% of people had between 700 and 850, 45% had between 740 and 850, and 1.2% of
Americans held the highest FICO score (850) in 2019. According to FICO, the
2172:
TransUnion Sued in
Federal Class Action for Continuing to Misreport Innocent Consumers as Terrorists on Credit Reports Despite Previous Punitive Damages Verdicts Against It for Similar Misreporting
2156:
TransUnion Sued in
Federal Class Action for Continuing to Misreport Innocent Consumers as Terrorists on Credit Reports Despite Previous Punitive Damages Verdicts Against It for Similar Misreporting
182:. Because a consumer's credit file may contain different information at each of the bureaus, FICO scores can vary depending on which bureau provides the information to FICO to generate the score.
580:
US credit reporting companies have been accused of illegal behaviors by misstating costs and usefulness of credit scores, tricked consumers into recurring payments, and lying about reports. The
90:
to evaluate the risk of lending money to consumers. Lenders contend that widespread use of credit scores has made credit more widely available and less expensive for many consumers. Under the
924:
2106:
1866:(September 1, 2006) – A report to the legislative council and the Senate and House committees on insurance and commerce of the Arkansas General Assembly (as required by Act 1452 of 2003)
456:), such as rental, utility, and telecom payment data or public record information such as property deeds and mortgages, liens, personal property titles, tax records, and licensing data.
562:
276:
considers FICO scores lower than 580 as poor, 580–669 as fair, 670–739 as good, 740–799 as very good, and 800–850 as excellent. Individuals with FICO scores less than 670 are seen as
2009:
The Great Risk Shift: The New Economic Insecurity and the Decline of the American Dream: The Assault on American Jobs, Families, Health Care and Retirement And How You Can Fight Back
2230:
301:
The Experian FICO 98 score is named FICO Score 2, Experian FICO 04 score is FICO Score 3, TransUnion FICO 04 score is FICO Score 4, and Equifax FICO 04 score is FICO Score 5.
166:, then called Fair, Isaac, and Company. The FICO model is used by the vast majority of banks and credit grantors, and is based on consumer credit files of the three national
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1913:
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for $ 350,000 or less will be prescreened using this score. A minimum score of 140 is needed to pass this prescreen, though most lenders require scores of 160 or more.
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has the Equifax Credit Score of between 280 and 850. CreditXpert offers a simulation score to estimate the impact of various actions on a score range of 350 to 850.
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allows consumers to self-enroll and report their own non-debt payment history. The PRBC alternative credit score range is 100 to 850. There are also scores like
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309:
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The Credit Optics Score by SageStream blends traditional and alternative credit data with machine learning modeling techniques and ranges from 1 to 999.
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Bank. The VantageScore 3.0 and 4.0 lower than 550 is very poor, 550–649 is poor, 650–699 is fair, 700–749 is good, and 750–850 is excellent. As of 2023,
150:
Although various methods of estimating creditworthiness existed before, modern credit scoring models date to 1958, when Bill Fair and Earl Isaac created
1819:
781:
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611:
499:
377:
420:
CE Score is published by CE Analytics. This score is distributed to 6,500 lenders through the Credit Plus network. It has a range of 350 to 850.
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Types of credit used (10%): Consumers can benefit by having a history of managing different types of credit. Examples of types of credit include
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classifies FICO credit scores lower than 580 as very poor, 580–669 as fair, 670–739 as good, 740–799 as very good, and 800–850 as exceptional.
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1923:
1975:
2240:
581:
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provide similar predictiveness. Most of these scores are based significantly on data not available through the national credit bureaus (
118:. During the late 1950s, banks started using computerized credit scoring to redefine creditworthiness as abstract statistical risk. The
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1333:
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1410:
2033:"We're just data: Exploring China's social credit system in relation to digital platform ratings cultures in Westernised democracies"
1485:
847:
655:
518:, to provide reports. These credit reports do not contain credit scores from any of the three agencies. The three credit bureaus run
2016:
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and in 2017 in California where multiple people had their credit reports sold to a car dealership that labeled them as terrorists.
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1458:
929:
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877:
1104:
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891:
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44:
1958:
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1005:
119:
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821:
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passed in 2010, a consumer is entitled to receive a free report of the specific credit score used if they are denied a
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you can get a free 'FAKO' score. These fake FICO scores come from credit-score simulators or off-brand scoring models
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484:. TU CreditVision Scores and TU New Account score (300-850) are issued by TransUnion. The latter is used by WebBank.
1558:
677:
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1385:
1125:
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Any money owed because of a court judgment, tax lien, etc., carries an additional penalty, especially when recent.
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1939:
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CFPB Orders TransUnion and Equifax to Pay for Deceiving Consumers in Marketing Credit Scores and Credit Products
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1470:
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126:
During the 1970s and 80s, the credit reporting industry relentlessly consolidated and moved aggressively into
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well. The score range for the FICO SBSS score is 0–300. A higher score indicates less risk. Applications for
312:. Other types of FICO scores cannot be obtained by individuals in a personal capacity, only by lenders. Some
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Each individual actually has over 60 credit scores for the FICO scoring model, as each of the three national
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1832:
1181:
1032:
712:"President Obama on Final Passage of Wall Street Reform: An End to Bailouts, a Beginning for Accountability"
1348:
678:"Report to the Congress on credit scoring and its effects on the availability and affordability of credit"
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439:
has the Plus Score between 330 and 830, and Experian's National Equivalence Score ranges from 360 to 840.
79:
based on an analysis of their credit report. It is an inexpensive and main alternative to other forms of
2216:
2140:
Equifax to Pay $ 575 Million as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach
606:
481:
1432:
1061:"Average U.S. FICO® Score at 716, Indicating Improvement in Consumer Credit Behaviors Despite Pandemic"
1270:
1046:
960:
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Credco reports on property related public records and its Anthem Credit Score ranges from 325 to 850.
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569:
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was released in mid-2017 and also uses a range of 300–850. Consumers can get free VantageScores from
367:
In 2006, to try to win business away from FICO, the three major credit-reporting agencies introduced
329:
1807:
No evidence of disparate impact in Texas due to use of credit information by personal lines insurers
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1857:
Use and impact of credit in personal lines insurance premiums pursuant to Ark. Code Ann. §23-67-415
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550:
1941:
Past Imperfect: How Credit Scores and Other Analytics "Bake In" and Perpetuate Past Discrimination
371:
credit score, which differs from FICO in several ways. According to court documents filed in the
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1960:
Democrats and Republicans in Congress agree: The system that determines credit scores is 'broken'
1882:
1668:
694:
621:
553:, and three states have passed laws, to limit the use of credit check during the hiring process.
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from each credit reporting agency once every twelve months. The law requires all three agencies,
2012:
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1990:
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1722:
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601:
453:
385:
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Each of the major credit agencies markets this score generated with their data differently:
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17:
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977:
934:
851:
542:
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The FICO NextGen Risk Score is a scoring model designed by the FICO company for assessing
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Having one or more newly opened consumer finance credit accounts may also be a negative.
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647:
54:
Please help update this article to reflect recent events or newly available information.
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91:
1522: (United States Court of Appeals for the Eighth Circuit August 17, 2011),
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115:
1608:
1312:"Get updates to 28 versions of your FICO Score with this credit monitoring service"
1083:"FICO 8 Mortgage Score Now Available from Top Three U.S. Credit Reporting Agencies"
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317:
87:
80:
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742:
Creditworthy: A History of Consumer Surveillance and Financial Identity in America
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381:
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135:
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1994:
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RiskView score, based on wide-ranging public records, ranges from 501 to 900.
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179:
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825:
464:
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103:
1915:
Can't Pay, Won't Pay: The Case for Economic Disobedience and Debt Abolition
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Credit-based insurance scores: Impacts on consumers of automobile insurance
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uses VantageScore 4.0 as the credit score for granting its credit cards.
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1517:
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1352:
1182:"FICO Score 8 and Why There Are Multiple Versions of FICO Scores| myFICO"
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511:
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799:"How Are Credit Scores Calculated? Learn What Affects Your Credit Score"
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507:
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288:
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175:
1809:
Dr. Robert P. Hartwig in January 2005. Insurance Information Institute
1105:"FICO Continues to Expand Access to Credit with New FICO® Score XD 2"
502:), each legal U.S. resident is entitled to a free copy of his or her
320:
offer a free FICO score several times per year to their cardholders.
264:
114:
Before credit scores, credit was evaluated using credit reports from
991:"Perfect FICO Scores: Who Has Them and What do They Have in Common?"
75:
is a number that provides a comparative estimate of an individual's
1235:"FICO just updated its credit scores — here's how to improve yours"
246:
There are other special factors that can weigh on the FICO score.
48:
of parts of this article (those related to Credit scoring models)
756:"Form 10-K: Fair, Isaac and Company Incorporated (Annual Report)"
2124:
Two Major Credit Reporting Agencies Have Been Lying to Consumers
1513:
1414:
1256:
1253:"Experian, FICO and Finicity Launch New UltraFICO™ Credit Score"
1207:
405:
163:
95:
1976:"Classification situations: Life-chances in the neoliberal era"
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between 300 and 850. Higher scores indicate lower credit risk.
2231:"To reform the credit card industry, start with credit scores"
1897:
1797:
A Report to Congress by the Federal Trade Commission July 2007
28:
1899:
Alone our debts are a burden. Together they make us powerful.
1486:"The Difference Between VantageScore Scores and FICO Scores"
793:
791:
2219:, by Malgorzata Wozniacka and Snigdha Sen (November 2004).
1820:"Allstate Insurance Company's Additional Written Testimony"
1459:"FICO vs. VantageScore: The Credit Score Rivalry Heats Up"
892:"What are inquiries and how do they affect my FICO score?"
2081:"Use of Credit Information in Insurance 2011 Legislation"
1664:"Official credit score will cost you, but fake one won't"
1204:"FICO Score 10 Suite: The Most Powerful FICO Scores Ever"
563:
Criticism of credit scoring systems in the United States
86:
Lenders, such as banks and credit card companies, use
2217:"Credit Scores: What You Should Know About Your Own"
1334:"View Your Free FICO Score for all 3 Credit Bureaus"
1774:
Marketer of Free Credit Reports Settles FTC Charges
695:"An overview of consumer data and credit reporting"
1878:"As a Hiring Filter, Credit Checks Draw Questions"
2031:Karen Li Xan Wong and Amy Shields Dobson (2019),
1609:https://synchronybank.com/blog/credit-scores-101/
50:may be compromised due to out-of-date information
2192:"The Long, Twisted History of Your Credit Score"
873:Is Paying Off the Mortgage Good for Our Credit?
239:factors for particular lending considerations.
162:The FICO score was first introduced in 1989 by
1630:. Archived from the original on July 19, 2012
494:Comparison of free credit monitoring services
134:burst into public consciousness in 1995 when
8:
2079:Legislatures, National Conference of State.
1293:"What Credit Score do Mortgage Lenders Use?"
476:Behavioral Risk Score (0 to 999) is used by
2229:Klein, Aaron; Servon, Lisa (May 17, 2021).
2101:
2099:
2097:
978:Credit Score Information: About FICO Scores
138:had lenders use credit scoring for all new
2011:, United States: Oxford University Press,
848:"Amounts Owed – How It Impacts Your Score"
2056:
1974:Marion Fourcade and Kieran Healy (2013),
1273:. Innovative Assessments. October 7, 2019
875:Credit Cards Q&A By Joan Goldwasser,
612:Comparison of free credit report websites
500:Fair and Accurate Credit Transactions Act
1310:White, Alexandria (November 30, 2020).
1271:"Alternative Data Credit Scoring Today"
638:
380:, and from some credit cards issued by
1641:
1590:from the original on November 21, 2019
1559:"What Is a VantageScore Credit Score?"
1433:"FICO® Small Business Scoring Service"
1126:"What Is the Range for Credit Scores?"
1047:"Experian 2020 Consumer Credit Review"
961:"Experian 2020 Consumer Credit Review"
925:"Hold off on opening new credit cards"
923:Teegardin, Carrie (December 9, 2007).
1983:Accounting, Organizations and Society
1576:Harzog, Beverly (November 20, 2019).
1176:
1174:
1172:
658:from the original on October 19, 2007
530:Non-traditional uses of credit scores
154:, their first credit scoring system.
152:Credit Application Scoring Algorithms
7:
1153:
1151:
1004:Harney, Kenneth R. (June 10, 2006).
735:
733:
731:
729:
727:
725:
582:Consumer Financial Protection Bureau
345:TransUnion: FICO Risk Score NextGen
1912:Debt, Collective (June 23, 2020).
1457:Sullivan, Bob (January 31, 2015).
1347:Bucci, Steve (December 10, 2020).
339:Experian: FICO Advanced Risk Score
25:
1876:Martin, Andrew (April 10, 2010).
1359:from the original on May 28, 2021
1233:Passy, Jacob (February 9, 2020).
2007:Jacob Hacker (October 9, 2006),
1622:"How to get a free credit score"
1484:DeNicola, Louis (May 15, 2019).
1349:"How to get a free credit score"
1006:"New Mortgages Worry Regulators"
930:The Atlanta Journal-Constitution
33:
2190:Trainor, Sean (July 22, 2015).
1831:. July 23, 2002. Archived from
824:. TheMotleyFool. Archived from
303:The FICO Score XD is made with
131:
1578:"What Is a Fair Credit Score?"
1518:Experian Information Solutions
1159:"What Is A Good Credit Score?"
1142:"What is a Good Credit Score?"
782:"Home | 25th Anniversary"
1:
1611:. Retrieved 13 December 2023.
498:As a result of the FACT Act (
2276:Finance in the United States
1695:"TransUnion Scores Overview"
1583:U.S. News & World Report
878:Kiplinger's Personal Finance
120:Equal Credit Opportunity Act
18:Credit score (United States)
1744:"Fair Credit Reporting Act"
1379:"FICO® NextGen Risk Scores"
894:. myFICO. October 19, 2018.
573:and in some cases (such as
557:Criticism and controversies
378:free credit report websites
106:due to their credit score.
2292:
1725:. Annual Credit Report.com
560:
533:
491:
81:consumer loan underwriting
1995:10.1016/j.aos.2013.11.002
1648:: CS1 maint: unfit URL (
524:Fair Credit Reporting Act
488:Free annual credit report
424:Educational credit scores
316:issued by banks and some
2049:10.1177/2059436419856090
822:"How Lenders Keep Score"
760:FICO Investor Relations
577:) are mandated by law.
324:FICO NextGen Risk Score
2037:Global Media and China
1514:Fair Isaac Corporation
1210:. 2020. Archived from
520:Annualcreditreport.com
1862:May 21, 2009, at the
1793:May 11, 2009, at the
1063:. FICO Decisions Blog
607:Bankruptcy risk score
482:Comenity Capital Bank
199:on installment loans.
146:Credit scoring models
1411:"FICO NextGen Score"
1391:on December 21, 2016
1144:. February 11, 2021.
740:Lauer, Josh (2017).
627:Social Credit System
570:Social Credit System
373:FICO v. VantageScore
330:consumer credit risk
2236:The Washington Post
2204:on December 3, 2021
1963:, February 27, 2019
1918:. Haymarket Books.
1758:Free Credit Reports
1421:on August 20, 2010.
1214:on October 23, 2020
1033:"Check your credit"
1011:The Washington Post
854:on October 17, 2016
447:Other credit scores
2058:20.500.11937/81128
1883:The New York Times
1669:Grand Forks Herald
1539:. VantageScore.com
1131:, October 28, 2016
1049:. January 4, 2021.
967:. January 4, 2021.
622:Seasoned tradeline
2175:, August 25, 2020
2159:, August 25, 2020
2127:, January 4, 2017
2111:, January 3, 2017
1925:978-1-64259-382-2
1838:on March 26, 2004
1828:State of Michigan
1777:, August 16, 2005
1437:FICO® | Decisions
1299:. April 21, 2021.
993:. March 14, 2019.
828:on March 15, 2008
617:Credit scorecards
342:Equifax: Pinnacle
310:CreditWorks Basic
69:
68:
16:(Redirected from
2283:
2271:Personal finance
2252:
2250:
2248:
2239:. Archived from
2213:
2211:
2209:
2200:. Archived from
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2176:
2167:
2161:
2160:
2151:
2145:
2144:
2135:
2129:
2128:
2119:
2113:
2112:
2103:
2092:
2091:
2089:
2087:
2076:
2070:
2069:
2060:
2028:
2022:
2021:
2004:
1998:
1997:
1980:
1971:
1965:
1964:
1955:
1949:
1948:
1946:
1936:
1930:
1929:
1909:
1903:
1902:
1894:
1888:
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1873:
1867:
1854:
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1837:
1824:
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1699:
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1660:
1654:
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1639:
1637:
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1600:
1599:
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1573:
1567:
1566:
1563:www.experian.com
1555:
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1474:
1468:
1466:
1454:
1448:
1447:
1445:
1443:
1429:
1423:
1422:
1417:. Archived from
1407:
1401:
1400:
1398:
1396:
1390:
1384:. Archived from
1383:
1375:
1369:
1368:
1366:
1364:
1344:
1338:
1337:
1330:
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1323:
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1223:
1221:
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1200:
1194:
1193:
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1189:
1184:. www.myfico.com
1178:
1167:
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1146:
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1138:
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994:
987:
981:
975:
969:
968:
957:
951:
950:
948:
946:
941:on July 17, 2012
937:. Archived from
935:Cox News Service
920:
914:
913:
912:. July 15, 2019.
906:"Consumer Watch"
902:
896:
895:
888:
882:
870:
864:
863:
861:
859:
850:. Archived from
844:
838:
837:
835:
833:
817:
811:
810:
808:
806:
795:
786:
785:
778:
772:
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769:
767:
752:
746:
745:
737:
720:
719:
718:. July 15, 2010.
708:
702:
701:
699:
691:
685:
684:
682:
674:
668:
667:
665:
663:
643:
602:Alternative data
543:insurance scores
454:alternative data
386:American Express
305:alternative data
302:
220:consumer finance
77:creditworthiness
64:
61:
55:
45:factual accuracy
37:
36:
29:
21:
2291:
2290:
2286:
2285:
2284:
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2281:
2280:
2256:
2255:
2246:
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2243:on May 18, 2019
2228:
2207:
2205:
2189:
2186:
2181:
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2169:
2168:
2164:
2153:
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2143:, July 22, 2019
2137:
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2095:
2085:
2083:
2078:
2077:
2073:
2030:
2029:
2025:
2019:
2006:
2005:
2001:
1978:
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1972:
1968:
1957:
1956:
1952:
1944:
1938:
1937:
1933:
1926:
1911:
1910:
1906:
1896:
1895:
1891:
1875:
1874:
1870:
1864:Wayback Machine
1855:
1851:
1841:
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1835:
1822:
1818:
1817:
1813:
1805:
1801:
1795:Wayback Machine
1786:
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1766:
1755:
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1742:
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1728:
1726:
1721:
1720:
1716:
1706:
1704:
1697:
1693:
1692:
1688:
1675:
1673:
1672:. April 6, 2010
1662:
1661:
1657:
1640:
1633:
1631:
1620:
1619:
1615:
1607:
1603:
1593:
1591:
1575:
1574:
1570:
1565:. May 16, 2018.
1557:
1556:
1552:
1542:
1540:
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1534:
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1511:
1510:
1506:
1496:
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1377:
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1362:
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1346:
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1336:. October 2021.
1332:
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1327:
1317:
1315:
1309:
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1304:
1291:
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1066:
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917:
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903:
899:
890:
889:
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871:
867:
857:
855:
846:
845:
841:
831:
829:
820:Dayana Yochim.
819:
818:
814:
804:
802:
797:
796:
789:
780:
779:
775:
765:
763:
762:. December 1998
754:
753:
749:
739:
738:
723:
710:
709:
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697:
693:
692:
688:
680:
676:
675:
671:
661:
659:
645:
644:
640:
635:
598:
565:
559:
538:
536:Insurance score
532:
496:
490:
449:
426:
418:
365:
352:
326:
300:
260:
188:
160:
148:
112:
65:
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34:
23:
22:
15:
12:
11:
5:
2289:
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2278:
2273:
2268:
2266:Credit scoring
2258:
2257:
2254:
2253:
2226:
2214:
2185:
2184:External links
2182:
2179:
2178:
2162:
2146:
2130:
2114:
2093:
2071:
2043:(2): 220–232,
2023:
2017:
1999:
1989:(8): 559–572,
1966:
1950:
1931:
1924:
1904:
1889:
1868:
1849:
1811:
1799:
1780:
1764:
1761:, May 23, 2021
1748:
1736:
1714:
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1568:
1550:
1537:"VantageScore"
1528:
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996:
982:
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952:
915:
897:
883:
881:, October 2008
865:
839:
812:
787:
773:
747:
721:
716:whitehouse.gov
703:
686:
669:
648:"Credit Score"
646:Kagan, Julia.
637:
636:
634:
631:
630:
629:
624:
619:
614:
609:
604:
597:
594:
575:auto insurance
561:Main article:
558:
555:
534:Main article:
531:
528:
492:Main article:
489:
486:
448:
445:
425:
422:
417:
414:
410:Synchrony Bank
402:Synchrony Bank
364:
361:
357:SBA 7(a) loans
351:
348:
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343:
340:
325:
322:
285:credit bureaus
259:
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208:
204:credit history
200:
196:
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168:credit bureaus
159:
156:
147:
144:
142:applications.
116:credit bureaus
111:
108:
92:Dodd-Frank Act
67:
66:
60:September 2020
41:
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32:
24:
14:
13:
10:
9:
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2014:
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504:credit report
501:
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487:
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478:Comenity Bank
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398:TD Bank, N.A.
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117:
109:
107:
105:
101:
97:
93:
89:
88:credit scores
84:
82:
78:
74:
63:
51:
47:
46:
40:
31:
30:
27:
19:
2245:. Retrieved
2241:the original
2234:
2220:
2206:. Retrieved
2202:the original
2195:
2171:
2165:
2155:
2149:
2139:
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2117:
2107:
2084:. Retrieved
2074:
2040:
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2008:
2002:
1986:
1982:
1969:
1959:
1953:
1940:
1934:
1914:
1907:
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1871:
1852:
1840:. Retrieved
1833:the original
1826:
1814:
1802:
1783:
1773:
1767:
1757:
1751:
1739:
1727:. Retrieved
1717:
1705:. Retrieved
1701:
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1676:November 15,
1674:. Retrieved
1667:
1658:
1632:. Retrieved
1625:
1616:
1604:
1594:September 3,
1592:. Retrieved
1581:
1571:
1562:
1553:
1541:. Retrieved
1531:
1512:
1507:
1495:. Retrieved
1489:
1479:
1469:– via
1463:. Retrieved
1461:. credit.com
1452:
1440:. Retrieved
1436:
1427:
1419:the original
1405:
1393:. Retrieved
1386:the original
1373:
1361:. Retrieved
1342:
1328:
1316:. Retrieved
1305:
1296:
1287:
1275:. Retrieved
1265:
1247:
1228:
1216:. Retrieved
1212:the original
1198:
1186:. Retrieved
1136:
1121:
1109:. Retrieved
1099:
1087:. Retrieved
1077:
1065:. Retrieved
1055:
1041:
1027:
1017:November 15,
1015:. Retrieved
1009:
999:
985:
980:– myFICO.com
973:
955:
943:. Retrieved
939:the original
928:
918:
909:
900:
886:
876:
868:
856:. Retrieved
852:the original
842:
832:February 29,
830:. Retrieved
826:the original
815:
803:. Retrieved
801:. myFICO.com
776:
764:. Retrieved
759:
750:
741:
715:
706:
689:
672:
660:. Retrieved
652:Investopedia
651:
641:
590:
586:
579:
566:
547:
539:
497:
458:
450:
435:
430:
427:
419:
372:
369:VantageScore
366:
363:VantageScore
353:
334:
327:
314:credit cards
282:
261:
245:
241:
237:
233:
189:
161:
151:
149:
128:prescreening
125:
113:
85:
73:credit score
72:
70:
57:
49:
43:
26:
2208:January 28,
2086:October 23,
1842:October 27,
1729:October 23,
1723:"Home Page"
1543:January 19,
1524:No. 10-2409
1297:NextAdvisor
1277:November 2,
1239:MarketWatch
945:October 27,
858:October 23,
805:January 19,
766:October 30,
473:ChexSystems
382:Capital One
280:borrowers.
212:installment
136:Freddie Mac
100:credit card
2260:Categories
1947:, May 2016
1702:TransUnion
1395:January 5,
1218:October 6,
1129:NerdWallet
910:okcfox.com
633:References
516:Transunion
461:LexisNexis
394:Chase Bank
297:TransUnion
202:Length of
180:TransUnion
158:FICO score
132:FICO score
2222:Frontline
2067:197785198
1442:April 10,
465:CoreLogic
390:U.S. Bank
350:FICO SBSS
216:revolving
104:insurance
1860:Archived
1791:Archived
1707:April 5,
1644:cite web
1627:Bankrate
1588:Archived
1491:Experian
1471:ABC News
1357:Archived
1353:Bankrate
1318:April 5,
1188:April 5,
1111:April 5,
1089:April 5,
1067:April 5,
965:Experian
656:Archived
596:See also
512:Experian
437:Experian
433:scores.
416:CE Score
293:Experian
278:subprime
270:Experian
224:mortgage
207:account.
172:Experian
140:mortgage
2247:May 28,
1634:June 4,
1497:June 6,
1465:June 6,
1363:May 28,
1163:Equifax
662:May 24,
508:Equifax
441:Equifax
289:Equifax
274:Equifax
176:Equifax
110:History
2225:. PBS.
2065:
2015:
1922:
1314:. CNBC
1107:. FICO
1085:. FICO
514:, and
404:, and
265:median
258:Ranges
186:Makeup
178:, and
130:. The
2063:S2CID
1979:(PDF)
1945:(PDF)
1836:(PDF)
1823:(PDF)
1698:(PDF)
1389:(PDF)
1382:(PDF)
698:(PDF)
681:(PDF)
551:bills
2249:2021
2210:2022
2197:Time
2088:2016
2013:ISBN
1920:ISBN
1844:2021
1731:2016
1709:2022
1678:2020
1650:link
1636:2021
1596:2020
1545:2010
1499:2021
1467:2021
1444:2017
1415:FICO
1397:2016
1365:2021
1320:2022
1279:2021
1257:FICO
1220:2021
1208:FICO
1190:2022
1113:2022
1091:2022
1069:2022
1019:2021
947:2021
860:2016
834:2008
807:2010
768:2022
664:2021
480:and
469:PRBC
431:FAKO
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