Tag : VantageScore

VantageScore CreditGauge™ September 2026: Overall Balances Hold Steady as Consumer Credit Remains Stable
Credit Bureaus Digital Payments News

VantageScore CreditGauge™ September 2026: Overall Balances Hold Steady as Consumer Credit Remains Stable

Business Wire
by Business Wire0
Declining Balance-to-Loan Ratios Push Consumer Credit Leverage to a 12-Month Low Serious Delinquencies Remain Contained as Consumers Continue to Manage Credit Obligations Consumer Credit Tier Distribution Remains Stable Despite Gradual Shift from Prime to Nearprime consumer credit remained resilient despite early-stage payment pressure, according to the latest edition of CreditGauge™......
New Independent Research Finds VantageScore 4.0’s Increased Reliability Unlocks Millions in Auto ABS Market Savings
Credit Bureaus Mortgage News

New Independent Research Finds VantageScore 4.0’s Increased Reliability Unlocks Millions in Auto ABS Market Savings

Business Wire
by Business Wire0
VantageScore 4.0 Reduces Variance in Auto Loan Bad Rates by Up To 75% Compared with Traditional Scores Consumers Newly Scored by VantageScore 4.0 Demonstrate Better or Same Credit Performance Compared to Populations Scored by Traditional Models for Auto Loans VantageScore 4.0 Unlocks Millions in Capital Efficiencies for Auto ABS Market......
New VantageScore 4.0 Mortgage Credit Score Simulator API Helps Lenders Say “Yes” to More Mortgage Applicants
Credit Bureaus Mortgage News

New VantageScore 4.0 Mortgage Credit Score Simulator API Helps Lenders Say “Yes” to More Mortgage Applicants

Business Wire
by Business Wire0
New VantageScore 4.0 Credit Score Simulator API Provides Actionable Credit Score Improvement Plans New API Simulates and Forecasts Credit Score for All Three Credit Reports: Equifax, Experian and TransUnion Integrates Seamlessly into Existing LOS Systems VantageScore announced a new market-leading innovation enabling mortgage lenders to effectively qualify more consumers for......
Movement Mortgage Adopts VantageScore 4.0, Accelerating Industry Shift Toward Modern Credit Scoring
Lending Mortgage News

Movement Mortgage Adopts VantageScore 4.0, Accelerating Industry Shift Toward Modern Credit Scoring

Business Wire
by Business Wire0
Movement Mortgage, one of the nation’s leading mortgage lenders, is now implementing VantageScore 4.0 credit scores for eligible homebuyers. The adoption of VantageScore 4.0 marks another significant milestone in the mortgage industry’s rapid transition to the most advanced credit scoring model available. Read More on Fintech : Global Fintech Interview with Shai......
Fairway Home Mortgage Now Accepts VantageScore 4.0 for Mortgages, Unlocking New Opportunities for Homebuyers
Lending Mortgage News

Fairway Home Mortgage Now Accepts VantageScore 4.0 for Mortgages, Unlocking New Opportunities for Homebuyers

Business Wire
by Business Wire0
VantageScore 4.0 Offers Greater Efficiency for Lenders and Cost Savings for Borrowers VantageScore announced that Fairway Home Mortgage, one of the nation’s leading mortgage lenders, has implemented the VantageScore 4.0 credit scoring model to help more creditworthy Americans qualify for home financing. By incorporating the advanced credit scoring model into......
The Federal Home Loan Bank of Topeka Now Accepts VantageScore 4.0 for Mortgage
Banking Mortgage News

The Federal Home Loan Bank of Topeka Now Accepts VantageScore 4.0 for Mortgage

Business Wire
by Business Wire0
Member Banks Can Use VantageScore 4.0 to Originate Loans for Nearly Two Million New, Creditworthy Borrowers Members of the Federal Home Loan Bank of Topeka (FHLBank Topeka) can now pledge mortgage collateral using VantageScore 4.0 credit scores, effective immediately. This enables the 637 member banks and institutions of FHLBank Topeka......
VantageScore Announces Xactus Integration, Expanding Access to VantageScore 4.0 for Mortgage Lenders
Lending Mortgage News

VantageScore Announces Xactus Integration, Expanding Access to VantageScore 4.0 for Mortgage Lenders

Business Wire
by Business Wire0
VantageScore announced that VantageScore 4.0 credit scores are now available through Xactus360, the Intelligent Verification Platform® from Xactus, a fintech and market leader in verification solutions for the mortgage industry. The integration expands the credit-scoring options available to mortgage lenders through Xactus and supports more flexible, data-driven credit workflows. Through......
All Mortgages Securitized by Fannie Mae and Freddie Mac Will Now Disclose a VantageScore 4.0 Credit Score
Lending Mortgage News

All Mortgages Securitized by Fannie Mae and Freddie Mac Will Now Disclose a VantageScore 4.0 Credit Score

Business Wire
by Business Wire0
VantageScore 4.0 Responsibly Expands the Mortgage Market by Identifying More Qualified Borrowers for Homeownership VantageScore 4.0 Implementation Unlocks Nearly $1 Billion in Annual Cost Savings Across the Mortgage Market VantageScore 4.0 Trusted by Fannie Mae and Freddie Mac to Highlight Collateral Performance in GSE Residential Backed Mortgage Securities Federal Housing......
VantageScore 4.0, the Mortgage Credit Score, Now FHFA Approved for All Lenders Originating Fannie Mae and Freddie Mac Mortgage Loans
Lending Mortgage News

VantageScore 4.0, the Mortgage Credit Score, Now FHFA Approved for All Lenders Originating Fannie Mae and Freddie Mac Mortgage Loans

Business Wire
by Business Wire0
VantageScore 4.0 Responsibly Expands the Mortgage Market by Identifying More Qualified Borrowers for Homeownership VantageScore 4.0 is More Predictive Because it Uses 400% More Credit Report and Alternative Data than Legacy Credit Scores VantageScore 4.0 Implementation Unlocks Nearly $1 Billion in Annual Cost Savings Across the Mortgage Market Federal Housing......
VantageScore CreditGauge™ July 2026: Consumer Credit Stays on Solid Footing as Delinquencies Ease, Utilization Lowers
Finance Mortgage News

VantageScore CreditGauge™ July 2026: Consumer Credit Stays on Solid Footing as Delinquencies Ease, Utilization Lowers

Business Wire
by Business Wire0
Credit Delinquencies Improved Across VantageScore Credit Tiers, Led by Early-Stage Improvement Credit Card Utilization Rate Remained Below Year-Ago Levels Personal Loan Originations Led Year-Over-Year Consumer Credit Growth Consumers continued to largely maintain their credit health in July 2026, characterized by easing delinquencies and low credit card utilization, according to the......
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