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How would you credit score a potential borrower with the following characteristics: A Fair, Isaac & Co. score of 600, two or more 30-day delinquencies

How would you "credit score" a potential borrower with the following characteristics: A Fair, Isaac & Co. score of 600, two or more 30-day delinquencies in the past year, a bankruptcy in the last 5 years, a debt- to-income ratio of 65% , and a foreclosure, repossession, or change-off in the preceding 24 months

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