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Banks intentionally lower credit scores

We are still lending in cash! It is amazing that the federal reserve has flooded the markets with cash enabling banks to borrower at historic rates.  Furthermore, banks are considerably healthier today than they were in 2008.  Unfortunately, this is…

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FICO score changes cause scores to drop

After years of increasing credit scores, FICO, the fico credit score used by the majority of lenders, has done an abrupt shift.  FICO Score changes in how the most widely used credit score in the U.S. is calculated will make…

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