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Old Sep 16, 2016 | 9:21 am
  #10  
roundtree
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Originally Posted by takeshi74
Creditors don't change FICO's scoring models. Additionally, FICO scoring models are only one consideration for creditors that use them (not all do).
That may well be true for FICO 8, but I know firsthand from working for both Citigroup and First Tennessee Bank that creditors do tweak the Fair Isaac formula to their own liking on credit decisions.
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