Tagged: Credit Reports

Average payments for first-time buyers have climbed 57% since 2019, while serious delinquency is becoming concentrated among lower-scoring borrowers

One-third of consumers say they would consider switching lenders over older scoring models, making underwriting technology a potential borrower-retention issue

The company points to trended data and tri-bureau consistency as approved lenders begin using greater credit-score choice

FICO 10T enrollment tops 70 lenders while VantageScore 4.0’s presence in TransUnion mortgage credit pulls jumps from less than 5% to roughly 30%

New borrower insights help lenders evaluate applicants earlier in the origination process at no additional cost

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