Tagged: Credit Reports

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

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