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The latest release of the FICO® Score provides improved risk evaluation where mortgage lenders need it most, with minimal system changes. FICO Scores are now better than ever—with a 5% to 15% lift in predictive power for credit shoppers and those with prior blemished credit histories ("nonprime"). The FICO® 8 Score incorporates new, patent-pending technology that addresses two key concerns of lenders—protection from authorized user abuse with continued support of regulatory compliance. The score also includes adjustments to better address consumers with limited credit experience.