Credit Score Models

GSEs Publish FICO 10T and VantageScore 4.0 Historical Data

Published  |   Updated

Written By Informative Research

On July 1, Fannie Mae and Freddie Mac published historical credit score data for FICO Score 10T and additional data for VantageScore 4.0. The two government sponsored enterprises say the release is meant to give lenders and analysts more transparency as the industry works through the move to newer credit score models.

  • This is the first time historical FICO Score 10T data has been made available. Historical VantageScore 4.0 data came out in 2024, so lenders now have a fuller picture of both models.
  • The data ties back to the April 22 framework, under which the GSEs allow current use of VantageScore 4.0 through a limited lender rollout and future use of FICO Score 10T.
  • Lenders not in the rollout keep using Classic FICO from all three bureaus through a tri-merge credit report until they receive approval or broad availability arrives.
  • A firm launch date for FICO Score 10T has not been set. The GSEs say they will give advance notice before it goes live.

At Informative Research, we see this as a chance for lenders to do their homework before anything changes on the origination side. Pulling historical data on both FICO Score 10T and VantageScore 4.0 lets credit and operations teams model how each score behaves on their own book, so the eventual switch is a planned move rather than a scramble. Informative Research works with lenders on both credit reports and score model choices, and IR stays neutral on which model fits a given shop.

For IR clients, the key takeaway is simple. The data to study both new score models is now on the table, so the smart step is to start analyzing it well ahead of any required change.

Tags: credit scores, FICO Score 10T, VantageScore 4.0, credit reports, GSEs, credit score modernization

Disclaimer: The views and commentary expressed in this blog are provided for informational purposes only and do not constitute legal, financial, or professional advice. Informative Research (IR) makes every effort to ensure the accuracy of the content at the time of publication, but we do not guarantee its completeness or timeliness. Readers should consult their own legal or business advisors before making decisions based on this information. References to third-party companies, products, or services are not endorsements.