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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\" | 2 Net L&A ($bn): 29.4",
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      "text": "UK cards: Balances c.35% lower vs. FY19; Repayment rates elevated; Q323 balances up £0.3bn QoQ.",
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