Credit

FHA Keeps Tri Merge Credit Reports

In a National Mortgage Professional article published May 27, FHA reinforced that it will continue requiring tri-merge credit reports as it prepares to adopt VantageScore 4.0 and FICO 10T.

Andrew Davidson & Co Study Examines Credit Score Variances

In a recent press release published by Andrew Davidson & Co., Inc., the firm shared new research highlighting how credit score differences across bureaus could impact costs for both consumers and mortgage investors. The release outlines findings from a large scale dataset that looks at how single bureau reporting could compare to the...

Industry groups react to proposal to allow single-file credit reports

In a HousingWire article published February 9, 2026, and available behind a paywall, the industry is once again debating whether mortgage lenders should be allowed to use a single file credit report instead of the traditional tri merge. The proposal has drawn support from some trade groups focused on cost and efficiency, while others are...

Fannie Mae removes minimum credit score requirements from DU

In a Fannie Mae Selling Guide update released November 6, the agency announced that it will eliminate the minimum 620 credit score requirement from its Desktop Underwriter (DU) system starting November 16, 2025. The change is part of a broader update that also expands Day 1 Certainty offerings and revises documentation requirements for...

What Mortgage Lenders Need to Know Before Trigger Leads End

ICE Extends Integration Migration Deadline

Lenders Get More Clarity on VantageScore 4.0 Rollout

Published: July 15, 2025 Source: HousingWire article by James Kleimann

FHFA Greenlights Immediate Use of VantageScore 4.0

In a HousingWire article published July 15, FHFA Director Bill Pulte announced that both Fannie Mae and Freddie Mac will immediately accept loans underwritten with VantageScore 4.0, giving lenders a choice between the newer model and the traditional Classic FICO. Key Points: VantageScore 4.0 is now an approved option for mortgage...