With respect to personal finance, what is the name of the most commonly used credit scoring system intended to help lenders predict how likely an individual is to repay a loan, or make credit payments on time?

Question $48$ options:

FICO $($Fair Isaac Credit Corporation$)$ Score

ECOA $($Equal Credit Opportunity Act$)$

FRCA $($Fair Credit Reporting Act$)$ Score

FCBA $($Fair Credit Billing Act$)$ Score