The FICO score formula has long been the choice of most US lenders, but some reports show the decline in actual loans may be making these scores somewhat flawed, which is quickly becoming a problem. Earlier today Bloomberg.com posted a great release about a woman experiencing these flaws, and deconstructed some of the reasons why. “When Sharii Rey, a paralegal in Portland, Oregon, had her credit limit reduced by JPMorgan Chase & Co. earlier this month, she said it would hurt h