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Pre-developed FICO® Application Risk Models (ARM) provide an immediate, cost-effective means to assess risk for a variety of portfolios and market segments. Now in its fourth release, ARM 4.0 offers even greater predictability and flexibility, providing tens of thousands of dollars of benefits to clients. ARM enables consumer credit grantors to reduce delinquency and chargeoff losses, approve more applicants and increase profitability, streamline operations, cut decision time, and ensure regulatory compliance.