The National Association of Realtors® recently called on Fair Isaac Corp., developer of the FICO score model, to revise some of its computations to take into account the negative impact on consumers when banks and credit card companies unilaterally reduce or cancel credit lines, even when consumers are in good standing on those accounts. An NAR spokesman said that FICO's software is "unable to differentiate between innocent victims and people whose behavior genuinely merits reductions," and called the FICO model "archaic."

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