Both bureaus introduce ways to purchase credit scores separately from reports, while Equifax reports growing VantageScore adoption and extends $1 pricing through 2028
The lender drops its minimum score overlays on agency loans and automatically selects the highest qualifying FICO or VantageScore result through its free credit reports
Workforce reductions come amid wider lender adoption of VantageScore and changes to GSE credit-score pricing
The rollout gives brokers and correspondent lenders another major outlet for VantageScore 4.0
With an announcement reportedly possible, the fight over two-bureau versus tri-merge credit reports is putting cost, borrower outcomes, and lender choice in the spotlight
The wholesale lender removes an adjustment for new locks while Fannie and Freddie align pricing between VantageScore 4.0 and Classic FICO
CHLA sees new Fannie and Freddie score disclosures as a first step toward more competition, while lenders are already finding different borrower outcomes under today's models
After four months of testing, Rocket will make VantageScore 4.0 its preferred model for eligible retail loans while keeping both scoring options available to brokers
Wholesale lender says alternative scores are producing lower rates or reduced LLPAs for some borrowers
The former MBA policy executive would oversee FHA underwriting, servicing, and credit-score changes that directly affect lenders and borrowers