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http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=32409
Welcome to the forums, urgent_help_needed!
In the future, please do not cross post in the forums as it clutters up the boards. Since your original post in the Understanding FICO Scoring forum has some replies, I am locking this thread. Thank you for your understanding!
--fused, myfico moderator