The National Consumer Reporting Association (NCRA) must respond to comments made by Christopher Whalen in a Loan Think piece, Why credit score politics have nothing to do with lending (Oct. 14, 2025). NCRA’s credit report resellers play a critical role in the home loan process, opening doors for consumers to housing. Consumers and others must […]
NCRA responds to Loan Think column on credit scores Read More »
Lenders can expect to see a concrete milestone reached in credit scoring changes by early next year, a Mortgage Bankers Association official said at the 2025 MBA Annual conference in Las Vegas on Monday. Sasha Hewlett, associate vice president of secondary and capital markets at the MBA, said regulators are currently weighing credit score change
Credit score update coming early 2026, MBA says Read More »
TransUnion is the latest company to make a move in the credit score war between VantageScore and Fair Isaac Corp.’s FICO score, following partners Experian and Equifax. Transunion will offer VantageScore 4.0, a credit scoring model, for $4 in 2026. Experian will provide it for free to its clients indefinitely and Equifax will charge $4.50
TransUnion to offer VantageScore 4.0 at discount Read More »
Every day my family rents to people who pay their rent on time, balance their budget and save responsibly. Yet when the time comes for them to buy a home, the traditional credit system does not recognize their financial discipline. According to the 2023 National Association of Realtors report, 65% of Millennials and Generation Z
Why renters deserve a fair credit score Read More »
Enjoy complimentary access to top ideas and insights — selected by our editors. The political conversation in Washington about credit scores has reached a new level of absurdity. This is hardly a surprise, however, since the Trump Administration has targeted housing affordability as a national priority. But the conversation about housing in the nation’s capital
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Equifax is rolling out a new pricing strategy and incentives in response to FICO’s program announced last week as the dispute between score providers heats up. The credit reporting agency will offer the competing Vantagescore 4.0 metric from FICO’s rival at a price of $4.50 through 2027, a cost it claims is more than 50%
Equifax slashes VantageScore price to undercut FICO Read More »
Enjoy complimentary access to top ideas and insights — selected by our editors. AEI’s flawed conclusions, if taken at face value, could wrongly influence how the mortgage industry approaches credit access, risk, and consumer inclusion. The American Enterprise Institute’s latest critique of VantageScore’s recent white paper doubles down on their false assertion that VantageScore is picking GSE
Why AEI’s VantageScore 4.0 critique misses the mark Read More »
Enjoy complimentary access to top ideas and insights — selected by our editors. VantageScore says it’s building the future of credit scoring. But based on our analysis, the foundation it’s building on is shaky at best. Earlier this month, we published a study showing that VantageScore 4.0’s claimed performance gains over Classic FICO are overstated
VantageScore’s ‘future of credit’ rests on shaky math Read More »
Fair Isaac Corp. is rolling out a new program that lets mortgage resellers bypass the three major credit bureaus Equifax, Experian and Transunion and deliver its FICO credit scores directly to lenders, a shift the company says will bring down costs. The announcement drew cautious optimism from industry trade groups. The move avoids any additional
FICO’s new pricing program met with cautious optimism Read More »
The American Enterprise Institute’s (AEI) recent opinion piece (“FICO isn’t the problem. A premature two-score system is“) challenges a nearly unanimous market conclusion: VantageScore 4.0 is a more predictive credit score for mortgages than Classic FICO. Tobias Peter and Sissi Li’s critique tells yesterday’s story. VantageScore 4.0 is about tomorrow, and the market agrees. While
VantageScore 4.0’s predictive power stands up to scrutiny Read More »