In July 2025, the Federal Housing Finance Agency (FHFA) adopted the use of VantageScore 4.0 in addition to Classic FICO. 1 This study analyzes the impact of introducing a dual credit score ...
The Federal Housing Finance Agency’s (FHFA) recent adoption of the use of VantageScore 4.0 as an alternative to Classic FICO for mortgages purchased by Fannie Mae and Freddie Mac has sparked intense ...
FICO’s analysis reveals how student loan repayment, shifting payment priorities, and generational differences are transforming credit behavior across the U.S. “We created the FICO Score Credit ...
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