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HISTORICAL FACTS: Vantagescore | History Defined

Credit Score News Could Help First-Time Homebuyers

Lenders who sell mortgages to Fannie Mae and Freddie Mac used to only be able to use FICO for loan qualification. Now there's VantageScore, owned by the three major credit bureaus.

Kiplinger

Banks Tighten Lending As Consumer Credit Delinquencies Rise To Pre-Pandemic Levels, According To VantageScore

Consumer delinquencies are close to pre-pandemic levels, and that's caused banks to lend out less money, according to the VantageScore CreditGauge September 2025 report. Consumer credit and mortgage credit delinquencies are both up.

Benzinga

Fannie, Freddie Set Stage For Mortgage Credit Overhaul With VantageScore 4.0, But Lenders Urge Caution

Rent and light-bill history could soon help millions secure a mortgage. The Federal Housing Finance Agency (FHFA) has told Fannie Mae and Freddie Mac they may now accept VantageScore 4.0, a credit model that counts on-time rent and utility payments, alongside the long-dominant FICO score.

Benzinga

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80% of 5.8M Delinquent US Student Loan Borrowers Could Reach Default Status in Months

Around 31% or 5.8 million of US student loan borrowers with outstanding debt are in late-stage delinquency, and over 80% of them could reach a default status by September, facing risks of wage garnishment and credit score declines.

International Business Times UK

How To Boost Your Credit Score Fast: Four Secrets Banks Don't Want You To Know

If you have a poor credit score or a thin credit profile, exploring avenues like becoming an authorised user or using a rent-reporting service can help.

International Business Times UK

How to Increase Credit Scores — Fast

How to increase credit scores quickly, starting with paying down your credit card debt.

Kiplinger

Confused about the difference between FICO and VantageScore? Here's exactly how they work

Your score could look very different depending on which model is used.

Fortune

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How credit scores are evolving to improve access to credit

A low credit score can hurt your ability to take out a loan, secure a good interest rate, or increase a credit card spending limit

The Independent UK

What Is a Good Credit Score?

Having a good credit score can save you hundreds, even thousands of dollars on credit cards, mortgages and other loans.

Kiplinger

Is Credit Karma A Useful Financial Credit Tool?

What to Know About Credit Karma Are you wondering how Credit Karma works? Credit Karma is a financial monitoring service that is free to use. It lets users keep track of their credit score and help improve it. But can you trust Credit Karma accuracy when it is free to use?

People

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The Consumer Financial Protection Bureau

the Federal Housing Finance Agency

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