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I do not know if I’d agree with ‘slipping’. Synchrony makes use of VantageScore 4.0, some credit score unions use variations of VantageScore, and a few lenders merely use their very own inner scoring fashions. FICO remains to be utilized by 90% of lenders, and remains to be king for now. It is going to be fascinating to see the way it unfolds sooner or later particularly if FICO 10T, or the same ‘trended’ mannequin, turns into extra widespread sooner or later. We’ll all have to regulate how we handle our credit score merchandise if this ever turns into the case.
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