FICO (used by 90% of top lenders) and VantageScore (common in free apps) both range 300–850, but weigh bureau data differently. VantageScore may score you in a month; FICO usually needs six. From Sept. 2026, Fannie/Freddie lenders may use VantageScore 4.0 or classic FICO. Follow for more. #FICO
November 4, 2026 at 2:01 AM
FICO (used by 90% of top lenders) and VantageScore (common in free apps) both range 300–850, but weigh bureau data differently. VantageScore may score you in a month; FICO usually needs six. From Sept. 2026, Fannie/Freddie lenders may use VantageScore 4.0 or classic FICO. Follow for more. #FICO
VantageScore 4.0 enables lenders to score more borrowers using trended data while maintaining borrower access and operational efficiency amid cost pressures.
Save What Matters
Curate Feeds | Make Collections | Customize Email Briefs
briefly.co
November 4, 2026 at 8:25 AM
VantageScore 4.0 enables lenders to score more borrowers using trended data while maintaining borrower access and operational efficiency amid cost pressures.
VantageScore 4.0 enables lenders to score more borrowers using trended data while maintaining borrower access and operational efficiency amid cost pressures.
Save What Matters
Curate Feeds | Make Collections | Customize Email Briefs
briefly.co
November 4, 2026 at 8:25 AM
VantageScore 4.0 enables lenders to score more borrowers using trended data while maintaining borrower access and operational efficiency amid cost pressures.
Experian's updated mortgage tool lets lenders pull full credit profiles via soft inquiry, cutting friction as VantageScore 4.0 adoption spreads through the sector.
Experian upgrades mortgage tool to ease VantageScore 4.0 shift
Experian's Power Profile Plus update lets mortgage lenders access full credit profiles via soft inquiry, cutting early-stage costs as modern scoring goes mainstream.
disrupts.disruptsmedia.com
October 31, 2026 at 4:00 PM
Experian's updated mortgage tool lets lenders pull full credit profiles via soft inquiry, cutting friction as VantageScore 4.0 adoption spreads through the sector.
Strong FICO on one side, thin file on the other? You do not get scored two ways. Lenders will be required to use one model, Classic FICO or VantageScore 4.0, for all borrowers on a loan. Ask which single model gives your file the best path.
November 3, 2026 at 8:09 PM
Strong FICO on one side, thin file on the other? You do not get scored two ways. Lenders will be required to use one model, Classic FICO or VantageScore 4.0, for all borrowers on a loan. Ask which single model gives your file the best path.
CrossCountry Mortgage's Adoption of VantageScore 4.0 Enhances Borrower Savings and Lending Flexibility#USA#Cleveland#CrossCountry_Mortgage#VantageScore_4.0#Lending_Flexibility
CrossCountry Mortgage's Adoption of VantageScore 4.0 Enhances Borrower Savings and Lending Flexibility
CrossCountry Mortgage reveals early benefits of VantageScore 4.0, showcasing significant borrower savings and an expansion of lending flexibility for their clients.
third-news.com
October 29, 2026 at 4:07 PM
CrossCountry Mortgage's Adoption of VantageScore 4.0 Enhances Borrower Savings and Lending Flexibility#USA#Cleveland#CrossCountry_Mortgage#VantageScore_4.0#Lending_Flexibility
Strong FICO on one side, thin file on the other? You do not get scored two ways. Lenders will be required to use one model, Classic FICO or VantageScore 4.0, for all borrowers on a loan. Ask which single model gives your file the best path.
November 3, 2026 at 8:09 PM
Strong FICO on one side, thin file on the other? You do not get scored two ways. Lenders will be required to use one model, Classic FICO or VantageScore 4.0, for all borrowers on a loan. Ask which single model gives your file the best path.
CrossCountry Mortgage expanded LTV and VA lending flexibility, while VantageScore 4.0 adoption by major lenders aims to help more borrowers qualify and reduce closing costs.
Save What Matters
Curate Feeds | Make Collections | Customize Email Briefs
briefly.co
October 29, 2026 at 5:52 PM
CrossCountry Mortgage expanded LTV and VA lending flexibility, while VantageScore 4.0 adoption by major lenders aims to help more borrowers qualify and reduce closing costs.
CrossCountry Mortgage expanded LTV and VA lending flexibility, while VantageScore 4.0 adoption by major lenders aims to help more borrowers qualify and reduce closing costs.
Save What Matters
Curate Feeds | Make Collections | Customize Email Briefs
briefly.co
October 29, 2026 at 5:54 PM
CrossCountry Mortgage expanded LTV and VA lending flexibility, while VantageScore 4.0 adoption by major lenders aims to help more borrowers qualify and reduce closing costs.
FICO’s 2027 pricing model requires pulling FICO on all files or choosing costly subscriptions, while VantageScore is priced at $0.99 per score or free with FICO.
Save What Matters
Curate Feeds | Make Collections | Customize Email Briefs
briefly.co
October 29, 2026 at 3:31 PM
FICO’s 2027 pricing model requires pulling FICO on all files or choosing costly subscriptions, while VantageScore is priced at $0.99 per score or free with FICO.
FHFA shifted GSE mortgage pricing from separate credit-score grids to a single Classic FICO-based grid and approved VantageScore 4.0 for Fannie Mae and Freddie Mac loans.
Save What Matters
Curate Feeds | Make Collections | Customize Email Briefs
briefly.co
October 29, 2026 at 2:27 PM
FHFA shifted GSE mortgage pricing from separate credit-score grids to a single Classic FICO-based grid and approved VantageScore 4.0 for Fannie Mae and Freddie Mac loans.
FHFA shifted GSE mortgage pricing from separate credit-score grids to a single Classic FICO-based grid and approved VantageScore 4.0 for Fannie Mae and Freddie Mac loans.
Save What Matters
Curate Feeds | Make Collections | Customize Email Briefs
briefly.co
October 29, 2026 at 2:27 PM
FHFA shifted GSE mortgage pricing from separate credit-score grids to a single Classic FICO-based grid and approved VantageScore 4.0 for Fannie Mae and Freddie Mac loans.
Bill Pulte vows to end abusive monopolies in the mortgage market
Bill Pulte vows to end abusive monopolies in the mortgage market
FHFA Director Bill Pulte announced moves to end FICO's credit score monopoly by integrating VantageScore into mortgage pricing.
thehill.com
October 26, 2026 at 7:02 PM
Bill Pulte vows to end abusive monopolies in the mortgage market
VantageScore 4.0 is now allowed for mortgages. It is not required. The FHFA says lenders "may" use it or continue with Classic FICO. If a buyer insists their lender must use VantageScore, the answer is: it's the lender's choice.
October 25, 2026 at 7:08 PM
VantageScore 4.0 is now allowed for mortgages. It is not required. The FHFA says lenders "may" use it or continue with Classic FICO. If a buyer insists their lender must use VantageScore, the answer is: it's the lender's choice.
A FICO denial from one lender isn't the whole story. Approved Fannie Mae and Freddie Mac lenders may now use VantageScore 4.0. Ask your broker to check if that's an option for the file. Don't promise a different outcome, just ask for the check.
October 23, 2026 at 7:09 PM
A FICO denial from one lender isn't the whole story. Approved Fannie Mae and Freddie Mac lenders may now use VantageScore 4.0. Ask your broker to check if that's an option for the file. Don't promise a different outcome, just ask for the check.
Anna pays rent on time every month, yet her credit file is too thin to help her. The FHFA says VantageScore 4.0 models take rent payment history into account. Agents: send thin-file buyers to a lender that has adopted it.
October 22, 2026 at 7:09 PM
Anna pays rent on time every month, yet her credit file is too thin to help her. The FHFA says VantageScore 4.0 models take rent payment history into account. Agents: send thin-file buyers to a lender that has adopted it.
Rural buyers keep hearing VantageScore 4.0 will help on USDA. The handbook says otherwise: it lists FICO models only. Plan around the score the program recognizes, not the one in the headlines.
October 21, 2026 at 7:09 PM
Rural buyers keep hearing VantageScore 4.0 will help on USDA. The handbook says otherwise: it lists FICO models only. Plan around the score the program recognizes, not the one in the headlines.
Barron's ha indicato Equifax come il miglior titolo dell'S&P 500 della giornata, suggerendo che VantageScore abbia avuto un ruolo nel rialzo. Il trimestre mostra perché conviene leggere due misure di utile affiancate.
October 21, 2026 at 3:42 AM
Barron's ha indicato Equifax come il miglior titolo dell'S&P 500 della giornata, suggerendo che VantageScore abbia avuto un ruolo nel rialzo. Il trimestre mostra perché conviene leggere due misure di utile affiancate.
Barron's kürte Equifax zur besten Aktie des Tages im S&P 500 und deutete an, dass VantageScore bei der Kursbewegung eine Rolle spielte. Das Quartal zeigt, warum es sich lohnt, zwei Gewinnkennzahlen nebeneinander zu lesen.
October 21, 2026 at 3:40 AM
Barron's kürte Equifax zur besten Aktie des Tages im S&P 500 und deutete an, dass VantageScore bei der Kursbewegung eine Rolle spielte. Das Quartal zeigt, warum es sich lohnt, zwei Gewinnkennzahlen nebeneinander zu lesen.
Yahoo Finance linked the outlook cut to continued weakness in the US mortgage market. Barron's named Equifax the best stock in the S&P 500 on the day and suggested VantageScore had something to do with the move.
October 21, 2026 at 3:40 AM
Yahoo Finance linked the outlook cut to continued weakness in the US mortgage market. Barron's named Equifax the best stock in the S&P 500 on the day and suggested VantageScore had something to do with the move.