VantageScore® @VantageScore

"The real differentiator in today's economy is asset ownership, such as a home. That's what's driving the biggest divide between borrowers who are thriving and those who are struggling." Dr. Rikard Bandebo, VantageScore's Chief Strategy Officer and Chief Economist, made that point today on a panel evaluating significant risks in the mortgage market at the @IMN_Events Residential Mortgage Securitization Forum in New York. He also had this to say about how lenders are responding: "Lenders aren't tightening, they're getting smarter. Most lenders coming into this year wanted to lend more, but they've figured out where to focus that lending so they can grow their book without taking on more risk." ➡️ This is exactly why the introduction of VantageScore 4.0 into the mortgage market matters. In an economy where homeownership is the single biggest driver of financial stability, a more predictive credit score gives lenders the precision to do both: expand access and manage risk. #IMNMortgageSec #IMNEvents

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"The sooner you adopt VantageScore 4.0, the more competitive your business will be. No one wants to be late to this game." Anthony Hutchinson, EVP and Head of Public Affairs at VantageScore, spoke yesterday at the MISMO Spring Summit in Louisville, where lenders aren't asking whether to adopt VantageScore 4.0; they're asking how quickly they can move. VantageScore 4.0 is now officially accepted by the GSEs for mortgages from origination to securitization. The window to get ahead of this is open, but it won't stay that way. Thank you, MISMO, for bringing this community together. We are proud to sponsor the event. Learn how to get started with VantageScore 4.0 at our Mortgage Resource Center.

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🏠 Rocket Mortgage now accepts VantageScore 4.0 for mortgages. VantageScore today announced that homebuyers can now use VantageScore 4.0 credit scores to qualify for home loans at the top 30 mortgage lenders, including Rocket Mortgage – the largest mortgage lender. “Today’s consumers deserve a credit score that reflects the full picture of their financial behavior, leveraging more data, including rental data and trended data,” said Anthony Hutchinson, Head of Public Affairs at VantageScore. “Rocket’s adoption of VantageScore 4.0 demonstrates industry leadership and a commitment to using innovative, data-driven solutions that responsibly broaden access to mortgage financing.” Mortgage lenders are encouraged to explore the benefits of VantageScore 4.0 by visiting the VantageScore Mortgage Resource Center. Lenders and partners interested in adopting VantageScore models or participating in pilot programs can contact their credit bureau representatives. Learn more: vantagescore.co/43MqWJL

Does your underwriting system have blind spots? In the AI era, that's not just a fairness question, but a model quality question. In the latest edition of CreditGauge LIVE, Kareem Saleh, Founder and CEO of @FairplayAi, makes the case that fairness, performance, and explainability can no longer be treated as separate work streams. In the full episode, Kareem goes further: → How AI exposes blind spots that legacy models have been hiding → What the VantageScore 4.0 mortgage shift really means for lenders → His outlook for consumer credit over the next 6–12 months Plus, hear from VantageScore experts on the latest CreditGauge data and trends affecting U.S. consumer credit health. 🎧 Full episode: vantagescore.co/4nTrVBp

"Rental history, for example, can actually make a better insight into the riskiness of the consumer." Matthew Komos, Founder and CEO of OGMA Risk and Analytics, joined us on the CreditGauge LIVE podcast this month to share his organization's latest research on the predictive power of VantageScore 4.0. 🎧 Listen to the full episode: vantagescore.co/4djfw4G

An important study, and the data speaks for itself: VantageScore 4.0 consistently identified mortgage credit risk accurately, reinforcing that gaming credit scores is more myth than reality.

A new independent analysis by @prosperitynow of loan-level data from both #FannieMae and #FreddieMac reveals that  VantageScore 4.0 consistently better rank-orders mortgage borrower risk and also better separates risk than FICO. “The results are clear: VantageScore 4.0 delivers a more accurate view of borrower risk, especially during stress periods,” said Dr. Rikard Bandebo, EVP, Chief Strategy Officer and Chief Economist at VantageScore. “The study also finds that there is no ‘gaming’ risk added with the two-score system, which will be a massive benefit for investors and the GSEs.” Download the study: vantagescore.co/3QU9a4g

“VantageScore, in fact, actually predicts more delinquencies.“ Silvio Tavares, President and CEO at VantageScore, recently appeared on Bloomberg’s The Close to discuss the latest changes in the mortgage market. Now, with VantageScore 4.0, the @FHFA and @HUDgov have decided to implement a more modern credit score that is better equipped to handle today’s economy. 🎥 Watch the full interview: vantagescore.co/4tg5Xtn

VantageScore 4.0 is a ‘go’ in the mortgage industry 🎉 “The mortgage industry now stands fully ready to benefit from the implementation of VantageScore 4.0,” said Anthony Hutchinson, Head of Public Affairs at VantageScore. “VantageScore 4.0 is the most predictive, innovative credit score in the market, and is a key tool in unlocking homeownership opportunities for millions of Americans.” Hutchinson spoke at the Texas Mortgage Bankers Association Annual Convention, sharing insights on the FHFA’s recent announcement of VantageScore 4.0 acceptance, the many benefits of credit score competition, and the impact of VantageScore 4.0 on the mortgage market.

ICYMI: The @FHFA and @HUDgov announced the full implementation of VantageScore 4.0 across the government-sponsored mortgage sector. VantageScore 4.0 ushers in a new era of competition, modernization, and cost savings for American consumers. Start using VantageScore 4.0 for your mortgage loans: vantagescore.co/3QF4Khy

“Using VantageScore 4.0 reduces risk, reduces the overall cost to the ecosystem, and ultimately means more American consumers in homes,” said Silvio Tavares, President and CEO, on Bloomberg’s ‘The Close’ with Katie Greifeld and Romaine Bostick, CFA. “Housing is a key driver of the economy and a key driver of affordability, and that is what these decisions deliver.” Tavares shared his insights on the historic decision of the Federal Housing Finance Agency and the Federal Housing Administration and HUD Office of Housing to implement VantageScore 4.0 for conforming mortgages. Start using VantageScore 4.0 for your mortgage loans:hubs.ly/Q04drjdq0

Join the fastest-growing credit scoring company. View open positions → hubs.ly/Q04bq1Hy0

VantageScore 4.0 is the most predictive credit score used in the mortgage marketplace. Watch the video to learn more:

Lenders are using VantageScore to greatly improve their capabilities. We caught up with John Keilholz at CBA Live to hear how Hancock Whitney is leveraging VantageScore’s superior predictiveness to lend to more creditworthy consumers and reduce risk.

VantageScore today announced a significant new release for VantageScore RiskRatio™, the credit risk analytics tool designed to help mortgage, auto lenders and ABS investors benchmark, compare and act on consumer credit default risk. “RiskRatio has become an essential tool for mortgage lenders, auto lenders and ABS investors looking to move beyond static views of credit risk,” said Susan Fahy, Executive Vice President and Chief Digital, Data and Technology Officer at VantageScore. “With these enhancements, we’re providing deeper benchmarking, expanded performance metrics and more timely insights, so institutions can identify emerging risks earlier and respond with greater confidence.” Explore the latest insights from RiskRatio: vantagescore.co/3OwZAn2

A record 38% of Americans now have a personal loan, reports @MarketWatch. To stay on track with their financial goals, Dr. Andrada Pacheco, Ph.D., Chief Data Scientist at VantageScore, advises consumers to be intentional with their borrowing, prioritizing making consistent payments and avoiding actions that will damage their credit score. “Higher balances increase utilization and repayment pressure. Avoid applying to multiple lenders at once, as too many hard inquiries in a short time can temporarily lower your score,” said Dr. Pacheco. Read more: vantagescore.co/4mntwi3

Early-stage delinquencies edged up to 1.15%, rising by 0.01% from January 2026 and returning to levels last seen in early 2020, according to the latest CreditGauge™ by VantageScore. These trends in early-stage delinquencies are most pronounced among lower-tier consumers and suggest financial stress as households continue to navigate elevated interest rates and persistent inflationary pressures. 🎥 Watch more: vantagescore.co/3Q65T1h

At #CBALIVE, the message is clear: navigating today’s increasingly volatile market requires more predictive, forward-looking credit scoring. VantageScore's credit scoring models help lenders better anticipate risk, expand access responsibly, and make smarter, more confident decisions. The consumer credit market is evolving. The tools must evolve with it. #CreditInnovation #RiskManagement

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Borrowers Feeling the Pressure as Early Delinquencies Rise – VantageScore in Investopedia “More borrowers are feeling the pressure,” said Atif Mirza, Head of Credit Insights at VantageScore. “There are two reasons behind this: one is the student loan reporting resumption that’s affecting the credit scores of some borrowers, and also higher delinquency rates across credit types.” As Investopedia highlighted, VantageScore’s CreditGauge analysis shows that the number of consumers who missed payments for 30 to 59 days increased across all debt types. Read more: hubs.ly/Q048LMwN0