Additionally, eBay pointed to Bill Me Later's credit risk analysis, which has outperformed the consumer credit industry average.

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"There's not a huge risk for the consumer except to maybe have to cancel a credit card, " he said.

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Thanks to easily available credit, these may have replaced consumer-price surges as the main risk of excessively loose monetary supply.

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Mr. HENDRICKS: Theoretically, if they come out with a better model that dissects you more as a consumer and gives them more precision in figuring out whether you're a good credit risk, that's what would be in it for them.

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