申请贷款只能用FICO分数，因为这是Fannie Mae的规定：
"Credit scores are required for most mortgage loans purchased or securitized
by Fannie Mae.The lender must attempt to obtain and use the classic FICO
credit score for each borrower. The classic FICO is produced from software
developed by Fair Isaac Corporation and is available from the three major
credit repositories. Fannie Mae requires the following versions of the
classic FICO score for both DU and manually underwritten mortgage loans:
• Equifax Beacon® 5.0;
• Experian/Fair Isaac Risk Model V2SM; and
• TransUnion FICO® Risk Score, Classic 04."
