that have been very good predictors of behavior. i know we re talking about a lot of different things today, but has there been anything about their ability to an early speaking? thank you. and let you ask that question. obviously people focus in on the score because it is a single number and it is easier to tell where he ranked. these three digit numbers that are built on the information that are in the credit reports. one concern that one needs to have is whether the underlying information is accurate. when it is not accurate, it will be less productive than when the information is accurate. generally speaking, is there any sense in your office different and generally speaking, there are pretty predictive, is that correct? there are some things that need to be rectified when it comes to the consumer s ability to ensure that the credit ratings they have accurate and have access. i value of those things. generally speaking, if somebody s credit rating is correct and t