I think up until last year it was federal policy for Fannie Mae & Freddie Mac to use fico 5, and the rest of the industry kinda follows. Now I think they can u

I think up until last year it was federal policy for Fannie Mae & Freddie Mac to use fico 5, and the rest of the industry kinda follows. Now I think they can use a new model, but it's probably some inertia on changing.