Lenders traditionally do not like having to change the credit scoring models they're using.

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However, scoring models placed consumers in a different category 19 to 24 percent of the time.

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They all use different proprietary scoring models to assess creditworthiness, as does Fair Isaac Corp.

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The scoring models placed consumers in the same credit-quality category 73 to 80 percent of the time.

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To assess the impact of the different scoring models, the CFPB divided scores into four credit-quality categories.

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The study found that the majority of consumers received credit scores that were similar across the different scoring models.

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The study found that different scoring models would put consumers in the same credit-quality category 73 percent to 80 percent of the time.

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For example, FICO scoring models treat any inquiries within a 30-day period as one, if made for a mortgage, auto or student loan.

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For small businesses that often get burned by bank credit scoring models, these sites can help ease the pain with straightforward approvals for relatively small loans.

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