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Credit Score Models

Equifax Holds $1 VantageScore 4.0 Price Through 2027

On its second quarter 2026 earnings call, held July 21, Equifax told investors it will keep its $1 price for the VantageScore 4.0 mortgage credit score in place at least through the end of 2027. You can find the earnings materials on Equifax's investor relations site. CEO Mark Begor said adoption is picking up as the FHFA opens the model...

Jul 22, 2026 1:30:00 PM

FICO 10T

GSEs Publish FICO 10T and VantageScore 4.0 Historical Data

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.

Jul 7, 2026 12:15:00 PM

Credit Score Models

GSEs and FHA Signal Next Phase of Credit Score Adoption

In an FHFA news release, the agency shared updates on how newer credit score models will be introduced into mortgage underwriting. Lenders will have the ability to work with both VantageScore 4.0 and Classic FICO, with changes rolling out over time. A HousingWire article (subscription required) adds additional detail around how the...

Apr 22, 2026 3:21:08 PM

Credit

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...

Nov 7, 2025 3:00:00 PM

Credit Score Models

Credit Bureaus Issue Statements Following FICO’s New Mortgage Pricing Announcement

Following FICO’s recent announcement of a new direct licensing model and updated pricing for mortgage credit scores, all three national credit bureaus—Equifax, Experian, and TransUnion—have released statements outlining their respective responses and updated offerings for lenders.

Oct 17, 2025 11:00:00 AM

Credit

Lenders Get More Clarity on VantageScore 4.0 Rollout

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

Jul 15, 2025 11:30:00 PM

Credit

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...

Jul 10, 2025 4:30:00 PM

Credit Score Models

Equifax Holds $1 VantageScore 4.0 Price Through 2027

GSEs Publish FICO 10T and VantageScore 4.0 Historical Data

GSEs and FHA Signal Next Phase of Credit Score Adoption

Fannie Mae removes minimum credit score requirements from DU

Credit Bureaus Issue Statements Following FICO’s New Mortgage Pricing Announcement

Lenders Get More Clarity on VantageScore 4.0 Rollout

FHFA Greenlights Immediate Use of VantageScore 4.0

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Equifax Holds $1 VantageScore 4.0 Price Through 2027

GSEs Publish FICO 10T and VantageScore 4.0 Historical Data

GSEs and FHA Signal Next Phase of Credit Score Adoption

Fannie Mae removes minimum credit score requirements from DU

Credit Bureaus Issue Statements Following FICO’s New Mortgage Pricing Announcement

Lenders Get More Clarity on VantageScore 4.0 Rollout

FHFA Greenlights Immediate Use of VantageScore 4.0

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