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Within our globe, though, FICO rating is clearly inversely correlated with danger meaning it’s almost guaranteed that’s a synthetic identity or some sort of a crook if we ever see a customer with a 720 FICO score applying for credit.

Within our globe, though, FICO rating is clearly inversely correlated with danger meaning it’s almost guaranteed that’s a synthetic identity or some sort of a crook if we ever see a customer with a 720 FICO score applying for credit. Therefore within our globe we...