(RECAP: With no change in their financial circumstances, many millions of consumers can expect their credit scores to suddenly go up around the end of the year. FICO reported last week that it will change the way it treats medical debt and debts that were sent to collection and subsequently paid off. The worst-case scenario is that the new scores will result in many consumers getting loans they shouldn’t, landing in serious financial trouble. The best-case scenario is that FICO has actually come up with a method that really is better at predicting creditworthiness. In the end, it’s bankers and other lenders who will be on the front lines in assessing the changes.)