New study says VantageScore 4.0 scores five million more creditworthy borrowers than FICO Score 10T, expanding lending opportunities as the industry prepares for the GSE credit score transition
New implementation guide standardizes mortgage insurance data exchange, helping lenders, insurers and technology providers prepare systems for newer credit scoring models
Historical loan-level datasets covering 2013-2025 let market participants evaluate the next-generation credit model using actual GSE mortgage performance.
VantageScore reports lower delinquencies, stable credit scores and a nine-month high in personal loan originations
Adoption milestone highlights industry's transition toward multiple approved credit-scoring models
Lender rolls out purchase buydown credits, refi pricing incentives and expanded credit score options
New features help lenders identify borrowers with the highest score-improvement potential as competition over mortgage credit models intensifies
HUD says FHA lenders will continue using three-bureau credit reports even as the agency adopts newer scoring models aimed at increasing competition and modernizing mortgage underwriting
Rocket says the updated scoring model incorporates rent, utility, and telecom payment history to create a more inclusive view of creditworthiness
Wholesale lender offers dual-score credit reports at no cost to brokers or borrowers amid growing competition around credit access and borrower acquisition tools