The FICO score has been the standard model for developing credit scores for many years; however, new credit-scoring models are being developed. Which of the following statements about current credit-scoring models is true? O Multiple credit-scoring models make it much more difficult to improve credit scores. Because of multiple credit-scoring models, consumers have a difficult time knowing which behaviors matter most when trying to improve credit scores. Multiple credit-scoring models make it more difficult for individuals who have never had credit to receive a loan for the first time. 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 credit-scoring model