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#34: I AIN'T PLAYIN' NO MO! The FICO Score is a one-sided system of debt evaluation and does not take into account your true financial history. The 5 Components of a FICO Score: 10% Type of credit (debt) 10% New credit (debt) 15% Credit (debt) history 30% How much you owe 35% Debt payment history It's all based on debt! For more information, visit the show notes at