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but what a lot of people fail now to comprehend is that FICO Advantage their only algorithms they have nothing to do with your credit they are a risk model that takes the information from your Consumer Report most of the stuff that you wrote nine times out of ten is what most people knew about credit yeah so if you can just touch on some of the things that you wrote in that book and then Iamp;#39;m going to follow up now with the consumer with the consumer law portion of it and show now how thereamp;#39;s this big separation between a FICO score or a vantage score versus whatamp;#39;s really on the consumer yes a lot of people go to Credit Karma right and they see a score on Credit Karma and theyamp;#39;re like yo that is my score that is my score well not really it is a risk score yeah but itamp;#39;s not what 90 of banks use 90 of banks use your FICO youamp;#39;re the FICO two FICO four five eight nine ten ten T based on the different model that that institution has hey
