VantageScore®

Empowering financial institutions to make smarter lending decisions.

[VantageScore® @VantageScore]

‼️ The @FHFA and @HUDgov today announced the full implementation of the VantageScore 4.0 credit score across the government-sponsored mortgage sector, including @FannieMae and @FreddieMac.

“This historic announcement by both FHFA and the FHA will result in modernization of the mortgage industry, delivering reduced mortgage risk, reduced costs for consumers and mortgage lenders, and enhanced mortgage access for creditworthy Americans,” said Silvio Tavares, President and CEO of VantageScore.

➡️ Mortgage lenders can explore the benefits of VantageScore 4.0 by visiting the VantageScore Mortgage Resource Center: https://t.co/HblRkZGG60

➡️ Lenders and partners interested in adopting VantageScore models or participating in pilot programs can contact their credit bureau representatives.

➡️ Learn more: https://t.co/hSOh34uCsP

[VantageScore® @VantageScore]

NEW REPORT: Delinquencies eased across every VantageScore credit tier in July, and consumers are using less of their available credit, even in a high-cost environment.

The latest CreditGauge shows early-stage delinquencies (30–59 days past due) fell to 0.89% from 1.05% a year ago, while credit card utilization dropped to 30.15% from 30.55%.

"Consumers have continued to enjoy strong momentum in credit health this summer, keeping up with their payments and refraining from using all of their available credit," said Atif Mirza, EVP and Chief Digital Officer at VantageScore.

📊 Download the full July CreditGauge: https://t.co/ignlh24WFK

[VantageScore® @VantageScore]

You asked, we answered. Introducing VantageScore AMA. 🎙️

We get a lot of questions from lenders about our models, our digital tools, the economy, and more. So we're starting a series to answer them, directly from our experts.

First up, Jeff Richardson, Chief Marketing Officer, tackles the questions we heard most in July:
→ How does VantageScore 4.0 compare to VantageScore 5.0?
→ How does VantageScore score 33 million more consumers?
→ Is VantageScore worried about credit score gaming?

Watch for the answers. 🎥

Next up: Dr. Rikard Bandebo, Chief Strategy Officer and Chief Economist. Drop your questions about the consumer credit economy in the comments below.

[VantageScore® @VantageScore]

VantageScore's weekly share of U.S. mortgage-backed securitizations grew from 4% three weeks ago to 12% of the total market last week. This makes VantageScore 4.0 the fastest-growing credit score in the MBS securitization market.

“Mortgage lenders are able to grow more safely using VantageScore," Silvio Tavares, VantageScore President and CEO, told investors at JPMorganChase in New York this week. ”It's a compelling competitive value proposition.”

VantageScore's value proposition is simple, yet effective:
1️⃣ 13-15% more predictive than conventional credit scores 
2️⃣ 400% more data used
3️⃣ 33 million more consumers scored

Mortgage lenders, don’t miss this opportunity.

[VantageScore® @VantageScore]

The credit market has changed.

Consumer behavior has shifted, volatility has intensified, and lenders need sharper tools to identify opportunities without taking on unnecessary risk.

Join Dr. Rikard Bandebo, Chief Strategy Officer and Chief Economist, and Dr. Andrada Pacheco, Chief Data Scientist, for a 45-minute look at the economics reshaping borrower behavior and how VantageScore 5.0 is designed to read today's consumer.

What you'll take away:

➡️ A look at the market forces shaping portfolio risk and borrower behavior today

➡️ How VantageScore 5.0's post-pandemic data and GAIN™ attributes sharpen predictive performance across credit cards, personal loans, and auto

➡️ Where lenders can responsibly expand their lendable population without adding risk

VantageScore 5.0 and the New Economics of Credit Risk: July 29 @ 2:30 pm.

🔗 Register here: https://t.co/dwIYscXnBP

[VantageScore® @VantageScore]

Trended data is a superior way to look at data.

In the latest edition of CreditGauge LIVE, David Battany, EVP of Capital Markets at Guild Mortgage, shares why lenders are increasingly focused on trended credit data and what responsible adoption actually looks like in practice.

In the full episode, David covers:

→ Why mortgage affordability comes down to a math problem and how lenders are solving it

→ How Guild is absorbing VantageScore 4.0 and trended credit data in practice

→ Why thin-file borrowers represent the single biggest homeownership opportunity in the market today

🎧 Listen to the full episode and get the latest CreditGauge™ consumer credit insights: https://t.co/IhTsmlhVPa

[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

[VantageScore® @VantageScore]

"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.

[VantageScore® @VantageScore]

🏠 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: https://t.co/cOJ7lZ4gUN

[VantageScore® @VantageScore]

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: https://t.co/eJoEvbgq3O

[VantageScore® @VantageScore]

"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: https://t.co/zG63AQvkTh

[VantageScore® @VantageScore]

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.

[VantageScore® @VantageScore]

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: https://t.co/aElDPJIrfL

[VantageScore® @VantageScore]

“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: https://t.co/kNRxR8MgzN

[VantageScore® @VantageScore]

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.

[VantageScore® @VantageScore]

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: https://t.co/HLeA0DoV9j

[VantageScore® @VantageScore]

“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:https://t.co/jRrefNrcZ3

[VantageScore® @VantageScore]

Join the fastest-growing credit scoring company. View open positions → https://t.co/yrzmaFmnkO

[VantageScore® @VantageScore]

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

[VantageScore® @VantageScore]

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.