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Any thoughts on if/how the new FICO10 model being imminently rolled out will affect those recently out of bankruptcy? From what I've heard, the model will focus on credit utilization as well as delinquencies/missed payments from the prior 2 years. And it will frown on those who take out personal loans to pay off credit cards. Just curious on thoughts about how it might potentially affect those who have started recent rebuild....
Not everybody is on-board with FICO 9 yet. It will be yrs, if ever, before it kicks in and all creditors buy into it.