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, ...

Natalie Campisi is a senior journalist who covers personal finance, balancing timely news with in-depth enterprise reporting. Her mission is to make complex financial issues clear and accessible for ...

The October 2022 announcement also explained that the Enterprises would require the use of credit reports from any two of the three national bureaus – a “bi-merge” system – instead of the current ...

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 ...

Lenders Expected to Originate Up to $1 Trillion in New, High-Quality Mortgages Up to Five Million Prospective New Buyers to Qualify for Homeownership Policy Change Reiterates FHFA Commitment to ...

SAN FRANCISCO, Nov. 20, 2025 /PRNewswire/ -- Since mid-2025, lower-income borrowers have led year-over-year increases in delinquencies 60+ Days Past Due (DPD), a trend that continued in October 2025, ...

VantageScore Superprime and Subprime Credit Tiers See Rise in Delinquency Rates Personal Loan Credit Originations Up as Consumers Refinance Debt with Unsecured Loans Rising Credit Card Balances ...