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Russia's consumer lenders can now more safely increase portfolio growth with the introduction of the FICO Expansion® Score. The new score gives lenders the ability to assess the credit risk of millions of consumers with little or no credit information on file. Available online and in batch through NBKI, the score rank-orders the risk of applicants for accept/ decline decisions, as well as interest rate and fee determinations. The FICO Expansion Score—built on FICO's expertise in Russian model development, and over 50 years in scoring leadership worldwide—provides an affordable method to underwrite Russia's large population of consumers new to credit.