More subprime lenders are using FICO scores than ever before, an analysis of the market by rating agency Standard & Poor’s suggests. As recently as 1998, S&P reports, some 30 percent of issuers could not produce credit scores for the loans backing their subprime securitizations. The use of such scores picked up steam in 1999, when the mainstream takeover of the market began in earnest. According to S&P officials, issuers produced FICO scores for almost