SAN FRANCISCO, Aug. 18, 2025 /PRNewswire/ -- VantageScore 4.0 predicted up to 49% more mortgage defaults leading into the COVID-19 pandemic period than Classic FICO, according to the latest ...

A VantageScore is a type of credit score to help lenders decide your creditworthiness. It’s a scoring model created by the ...

Study finds VantageScore 4.0’s edges over Classic FICO ‘overstated’ or incorrect; VantageScore brushes findings aside Another volley has been fired in what has become “The Great Credit Score War of ...

As the Federal Housing Finance Agency (FHFA) opens the gates for lenders to use VantageScore 4.0 alongside, or in place of, FICO scores for mortgages sold to Fannie Mae and Freddie Mac, Fair Isaac ...

On September 5, 2025, we published a research paper concluding that VantageScore 4.0 overstated its performance claims. We identified key methodological flaws in VantageScore’s analysis and, after ...

Mortgage lenders will soon have a new way to assess borrowers applying for government-backed loans. That sent the stock of America’s biggest credit score company plunging Tuesday. Federal Housing ...

Your FICO or VantageScore credit score represents your creditworthiness, and the higher your score, the better you’ll look to lenders. There are a variety of factors that go into your credit score, ...

A FICO score below 580 or a VantageScore of less than 601 is considered a bad credit score. If your score falls in the bad credit range, you will face less favorable outcomes with lenders (who may ...

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, ...