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"The CONSUMER NEEDS TO BE PROTECTED from the creditors it is not just creditors from consumers. At this rate there will be no consumers left. The credit score system has way too many stupid rules that do not make sense. Does anyone at Fair Issac's have a logical mind? Let's rate medical bills seperately, infact let's remove them altogether. The minimum amount of a bill to be a black mark on anyones credit should be a realistic $250 and no, late charges can not be included. Unless I authorize..."    View Comment
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