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Millions of Americans are expected to catch a break in their credit scores with a new formula used by FICO, the company which creates the most-used credit scores. The new formula will ignore paid collection agency accounts and differentiate between medical and non-medical collection accounts, lessening the impact of bad medical debts. Customers whose only major black credit marks are unpaid medical debts should expect to see their scores increase by a median of 25 points, according to FICO.