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This statement is inaccurate: "Bureaus then consolidate the data to produce a single credit file for each consumer within their data universe (or, more commonly, for all consumers who have at least 6 months of credit history), and then sell these credit files to FICO to compute FICO scores. "

The bureaus don't sell credit reports for FICO to score. The bureaus license the scoring model(s) from FICO to create the scores that are delivered with each report.

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