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Craig Watts, the public affairs manager for Fair Isaac, said the factors considered include whether debts are paid on time, what type of credit has been granted in the past, how much of the available credit has been used, and whether there are any judgments, foreclosures, bankruptcies or liens. We have even received calls that just wanted to see if we would pick up the phone. Were in our early twenties, and they've managed to rack up like 20k-50k of debt. The successor employer must employ one or more individuals who were employed by the predecessor immediately after the acquisition.

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