The Department of Housing and Urban Development is begrudgingly planning to make a modest change to its credit scoring system despite strong criticism from the Government Accountability Office. The GAO found weaknesses in the Federal Housing Administration’s Technology Open to Approved Lenders (TOTAL) Scorecard, which it claimed reduced the scorecard’s effectiveness. Among the criticisms was that the data used to base the credit scores on were from 1992 and that Scorecard does not take