In the near future perhaps as early as sometime in 2006, a fourth credit bureau will start to create a repository for creditors to send monthly data on called Innovis. Innovis already is a leading repository for business-to-business credit and personal data. At this point, it is likely lenders will alter their guidelines to accept three of the highest, or even three of the lowest credit scores of the four. It is speculated that other combinations of data usage are plausible as well.

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