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No. of Recommendations: 2
It's also worth noting that the FICO system is entirely based on real-world statistical results. Some bank manager isn't just deciding that you look more risky because you applied for credit. It's historical data - hard statistical fact - that a correlation exists between making credit inquiries and an increased likelihood of future default. The whole FICO system exists to gather such data and identify such patterns in it, so that lenders can make informed decisions about the likely future behavior of their customers.

- Erik

Erik I completely agree, but like all statistics there is a bell curve, and folks on the high end of that curve are getting a smack they don't deserve.

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