In his testimony before the Financial Crisis Inquiry Commission, JPMorgan Chase & Co. Chief Executive Jamie Dimon cited an over-reliance on consumer credit scores as a contributing factor to last year's financial meltdown. ["Illumination is Lacking at Crisis Inquiry Hearing," Jan. 14]

I agree if scoring is improperly utilized, the results are not optimal. Credit scoring should be part of a comprehensive and detailed process, not the sole criteria for evaluating loan applications.

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