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No. of Recommendations: 1
Therefore, to get 'credit' I'll have to pay interest? Have I ever said that I believe the FICO should be spelled SCAM.

Wow. I'll present the following (reasonable? you decide...) arguments:

1. You don't NEED a FICO score.
2. It's something that benefits you.
3. FICO targeted its products to lending institutions, not general consumers.
4. And it isn't a scam to those institutions, inasmuch as it is a product that generally performs as advertised for them.

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