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When Liu went on vacation with his fiancée (now his wife) to Thailand, they paid at restaurants and bought trinkets with Alipay.He stored whatever money was left over, which wasn’t much once the vacation and car were paid for, in an Alipay money market account.for free chat rooms features, amazing online chat rooms, and mobile chat at the click of a mouse.

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They named it Fair, Isaac and Co., but the business eventually came to be known, for short, as FICO.Applicants’ race could be counted against them, as could messiness, poor morals, and “effeminate gestures.” Algorithmic scoring, Fair and Isaac argued, was a more equitable, scientific alternative to this unfair reality.FICO’s approach eventually caught on among the credit bureaus—Trans Union, Experian, and Equifax—and in 1989 FICO introduced the credit score we know today, enabling millions of Americans to take out mortgages and rack up credit card bills.If you live in the United States, you are by now accustomed to relinquishing your data to corporations.Credit card companies know when you run up bar tabs or buy sex toys.

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