The FICO® score has been the standard model for developing credit scores for many years, however new credit scoring models are being developed. In relation to this, which of the following statements is true?
a. Because of multiple credit scoring models, consumers have a difficult time knowing which behaviors matter most when trying to improve credit scores.
b. Multiple credit scoring models make if much more difficult to improve credit scores.
c. Multiple credit scoring models make it more difficult for individuals that have never had credit to receive a loan for the first time.
d. The same good credit behaviors, such as on-time payments and low debt to credit ratios, will lead to good credit scores regardless of the scoring model.