The company has tapped into non conventional ways of establishing credit scores. People pay rent, they pay catalog companies when they order something, they pay back payday loans -- there are various ways people show financial responsibility and Fair Isaac will now be gathering that information to help determine FICO scores.

An estimated 160 million Americans have documented credit histories adequate for calculating classic FICO credit scores. An estimated 50 million consumers do not. Now that will change.

For real estate investors and landlords this means that we should be able to find a few more credit worthy buyers and renters than in past.

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