Category: vantagescore

Mortgage giants ‘very close’ to accepting new FICO score

By The Citizen on November 10, 2025

FHFA Director Bill Pulte says his agency is currently reviewing a potential deal with Fair Isaac to allow lenders to use the more inclusive FICO…

Why Fannie and Freddie still won’t accept more inclusive credit score

By The Citizen on November 7, 2025

FHFA Director Bill Pulte ordered the mortgage giants to start using more inclusive VantageScore 4.0 in July. But adoption is a “complex, technical and arcane”…

Equifax cuts VantageScore 4.0 mortgage credit scores to $4.50

By The Citizen on October 10, 2025

Once Fannie Mae and Freddie Mac are ready to start accepting VantageScore 4.0, the algorithm will go head-to-head with the less inclusive FICO Classic score. …

Mortgage bankers take a stand against tri-merge credit reporting

By The Citizen on August 6, 2025

Consumer group say FHFA’s plan to pit VantageScore 4.0 against older FICO Classic score will make “anti-competitive natures of the credit scoring market even worse.” …

Elizabeth Warren calls Pulte out for social media attacks on Powell

By The Citizen on July 21, 2025

In July alone, 114 posts raise “significant questions about your judgment and commitment to operating FHFA in a responsible, competent, and lawful manner,” Senator scolds…

Backers of rival mortgage credit scores wage public relations war

By The Citizen on July 17, 2025

As new scoring models by Fair Isaac and VantageScore vie for acceptance by Fannie Mae and Freddie Mac, claims and counterclaims fly. In the meantime,…

Fannie Mae and Freddie Mac are not accepting VantageScore 4.0

By The Citizen on July 16, 2025

Once selling guides are updated, lenders will have the option of using either VantageScore 4.0 or the Classic FICO scoring model, but FICO Score 10…

Mortgage lenders ask for more guidance on VantageScore 4.0

By The Citizen on July 11, 2025

FHFA Director Bill Pulte is reportedly “on thin ice” with several Trump administration officials over lack of communication on new Fannie and Freddie credit score…

New rules for Fannie, Freddie credit scoring are stumping lenders

By The Citizen on July 9, 2025

Mortgage giants allegedly weren’t informed in advance that they’d be required to accept VantageScore 4.0, and lenders have lots of questions about how the new…

Fannie, Freddie ordered to accept new VantageScore 4.0 credit score

By The Citizen on July 8, 2025

While questions remain about the new policy, FHFA Director Bill Pulte says lenders must still use “tri-merge” process to obtain scores from all three major…

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