We have FICO chips. #beatthatbitches
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He doesn't think people are boxed out of home ownership? Clearly he's not paying attention, we need to help young people, millennials, get homes earlier. Student Debt is a huge factor.
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How about basing it on a persons abiltiy to actually pay (income, assets, cash flow) not based on a persons ability to live with debt?
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Although I think FICO scores are rigged & manipulated I think they do protect us from our insufficiently-funded selves.
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