Fannie Mae, Freddie Mac to use alternative credit scores - What that means for potential home buyers The Federal Government has approved two credit score models, the FICO 10T and the Vantage score 4.0 for use by Fannie Mae and Freddie Mac The federal government is expanding how it collects credit scores, which may allow more Americans to potentially buy homes. cont https://www.marketwatch.com/story/fannie-mae-freddie-mac-to-use-alternative-credit-scores-what-that-means-for-potential-homebuyers-11666643196?mod=newsviewer_click