This is why we get competitive bids from multiple banks. | Hacker News

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		judk on Aug 15, 2014 \| parent \| context \| favorite \| on: Inside the Dark, Lucrative World of Consumer Debt ... This is why we get competitive bids from multiple banks.

infinite8s on Aug 16, 2014 [–]

They all use the same 3 credit reporting agencies (in addition to the completely non-transparent aggregate FICO score)

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