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What is the difference between the Standard (non-industry specific) and the Auto-Specific Loan Model?

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What is the difference between the Standard (non-industry specific) and the Auto-Specific Loan Model?

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The version for the Automotive Industry is designed to further refine risk specific to consumers shopping for Automotive loans. This score is based on the standard non-industry specific model and then overlays additional characteristics specific to automotive loan credit behaviors.

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