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      "text": "1 The reduction in 30 days delinquency for UK cards includes the impact of a change in charge off policy; notably changing the point of charge off from 180 to 120 days | 2 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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