The companies that buy up the majority of the country’s home loans will now accept a second credit scoring model for mortgages — a change that could help underrepresented borrowers qualify for ...
New credit scoring models rolling out across the mortgage industry could dramatically expand the number of Americans who receive a credit score — but experts warn that borrowers shouldn’t confuse a ...
The VantageScore 4.0 credit scoring model scores 33 million more people than traditional models. With the FHFA mandating the use of VantageScore 4.0 for Fannie Mae and Freddie Mac guaranteed mortgages ...
As the mortgage industry heads into 2026, that rulebook is starting to change. Lenders and regulators are moving away from relying on a single credit score and toward a new type of credit score that ...
LendScore uses real-time cash flow data and unique account connection insights from the Plaid Network to provide lenders with an updated view of borrower risk To give lenders a more complete financial ...
VantageScore 4.0 is approved for conforming mortgages sold to Fannie Mae and Freddie Mac. The credit-scoring model uses alternative data, including trending credit card usage and payments for rent and ...
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