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Michael T. Sanford (alwayscredit)

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I have been in the financial services industry for over 12 years and I have seen it all. I have worked with risk analysis, implemented credit scores, worked in sub-prime, debt collections, underwriting engines, credit bureaus, software developers. You name it, I have been a part of it. I want to spread my knowledge in a reasonably fun way to as many people that are interested in this reasonably boring topic.

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