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High-cost lenders, like AmeriCash, exploit laws to sue tens of thousands of Americans every year. The result: A $1,000 loan grows to $40,000.

High-cost loans already come with annual interest rates ranging from about 30 percent to 400 percent or more. In some states, if a suit results in a judgment – the typical outcome – the debt can then continue to accrue at a high interest rate. In Missouri, there are no limits on such rates. Read more» 2

A breakdown of a FICO score's impact on the cost of an auto loan.

FICO, which had $605 million in revenue last year, is not directly regulated by any government agency and its credit rating formulas are secret, leaving consumer groups to say there's potential for inaccuracies and unfairness. Read more»