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An interview from several months ago with $FICO CEO Will Lansing. Lansing explains that allowing lenders to choose their scoring model creates a dangerous race to the bottom. Lenders do not hold the risk because they pass the loans to Fannie Mae, Freddie Mac, and ultimately the US taxpayer. VantageScore will generate a credit score with just one single month of data. FICO requires a minimum of six months. If a lender just wants to push volume, they will pick the most lax standard. The bears also
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