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In turbulent economic times, financial services firms often tighten the credit reins and refocus on risk. But with growing consumer debt and continued fallout from the credit crisis, many are questioning the effectiveness of today’s lending strategies. As rising debt leads to defaults, financial services clients are turning to FICO with concerns such as: Why are my delinquencies increasing, even for lower-risk segments? Why is a 680 FICO® Score performing like a 650?