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A FICO® Score is used in 90% of all US lending decisions. Odds are high that you are already using the industry-leading credit score every day as a part of every underwriting decision. Given the criticality of the FICO® Score in your processes, have you given thought to when your credit risk strategy or score performance was validated? Do you know which version of the FICO® Score you are using, and do you understand the impact to your business when using an outdated model?