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Addressing Concerns

The following are concerns that have been raised and found to be baseless:

Competition would lead to a “race to the bottom”

Model governance practices are in place to guard against this:

Industry Conventions/Regulations

Mortgages are not underwritten on generic scores alone, if at all; each consumer’s full credit file, income, employment, DTI, down payment amount, and assets go into the underwriting process.

VantageScore’s ownership

While the 3 national CRCs own VantageScore, concerns about an adverse impact on competition are unfounded.

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