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Romanian consumers seeking favorable loan conditions may be disadvantaged by how banks assess their creditworthiness. The Competition Council is investigating the FICO score calculation, suspecting that multiple credit applications could lower clients' scores, hindering their ability to switch banks. Similar investigations are ongoing in Poland, where authorities have conducted raids on financial institutions. The FICO score, ranging from 300 to 850, is influenced by payment history and the number of recent credit inquiries. If the investigation confirms violations, banks could face penalties. The aim is to ensure that consumers are not penalized for comparing offers from different banks.