by a person who makes or arranges a loan to predict the likelihood of certain credit behaviors, including default. . (b) Use of credit scores by Freddie Mac in purchasing residential mortgages Section 305 of the Federal Home Loan Mortgage Corporation Act ( 12 U.S.C. 1454 ) is amended by adding at the end the following new subsection: (d) (1) Use of credit scores The Corporation may condition its purchase of a residential mortgage under this section on the provision of a credit score for the borrower only if— (A) the credit score is derived from any credit scoring model that has been validated and approved by the Corporation under this subsection