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      "text": "The FICO Score is used by lenders to help make accurate, reliable, and fast credit risk decisions across the customer lifecycle. A FICO score >660 is defined as 'Prime+', which includes 'Prime' and 'Superprime'",
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      "text": "UK cards: Balances c.34% lower vs. FY19 with strong and stable credit quality; Repayment rates remain elevated; Q423 balances and interest earning lending stable",
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