It was the only model recommended by Fannie Mae and Freddie Mac after extensive analysis in the credit-scoring initiative.

Early-Stage Delinquencies Rose Across All VantageScore Credit Tiers - VantageScore January 2026 CreditGauge “The broad-based ...

A recent policy change allowing greater competition in mortgage credit scoring could generate nearly $650 million in annual savings for lenders and borrowers, according to a new analysis released by ...

Experts from VantageScore are taking measured reactions when reviewing the January data highlighted in the latest edition of ...

Director Bill Pulte's July 2025 decision to authorize VantageScore 4.0 for competitive use in GSE-conforming mortgages saves the U.S. mortgage industry more than $600 million in the first year under a ...

VantageScore was designed to improve mortgage default prediction and prevent the next financial crisis.

VantageScore Superprime and Subprime Credit Tiers See Rise in Delinquency Rates Personal Loan Credit Originations Up as Consumers Refinance Debt with Unsecured Loans Rising Credit Card Balances ...

After a 25-year monopoly of credit scoring home loans for mortgage giants Fannie Mae and Freddie Mac, FICO finally has some competition. VantageScore, owned by the three major credit bureaus Experian, ...

SAN FRANCISCO, Nov. 20, 2025 /PRNewswire/ -- Since mid-2025, lower-income borrowers have led year-over-year increases in delinquencies 60+ Days Past Due (DPD), a trend that continued in October 2025, ...

The average VantageScore is 700, slightly lower than a month before. There are now fewer consumers in the prime tier, while the subprime and nearprime tiers increased. Delinquencies rose across all ...