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AOL Real Estate's blog questions if the new changes in how FICO scores are calculated will actually hurt the housing market.

The changes will give people a boost in their credit score through multiple factors, such as if they had a debt written off and then paid it. But real estate blogger Neal Frankle argues that artificially inflating credit scores to allow more people to qualify for mortgages doesn’t change the amount of risk that banks will have to take.

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