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ING: INFORMATION TECHNOLOGY, CREDIT SCORING AND VULNERABLE BORROWERS By Dennis E. Gale May 2001 These papers are preliminary in nature: their purpose is to stimulate discussion and comment. Therefore, they are not to be cited or quoted in any publication without the express permission of the author. UNIVERSITY OF CALIFORNIA, BERKELEY 1 Subprime and Predatory Mortgage Refinancing : Information Technology, Credit Scoring and Vulnerable Borrowers Dennis E. Gale Joseph C. Cornwall Center for.

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