Credit repair expert Micah Smith says new VantageScore 4.0 mortgage rules let rent payments count, but warns late payments ...

On April 22, 2026, the Federal Housing Finance Agency (FHFA) announced that Fannie Mae and Freddie Mac (the Enterprises) will update their ...

Rocket, United Wholesale Mortgage and Pennymac said they will use the new government-sponsored enterprise credit metric as ...

The FICO versus VantageScore debate is about more than score fees, as lender choice, adverse selection and secondary-market ...

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 ...

Early-Stage Credit Delinquencies Increase Across All VantageScore Credit Tiers Credit Originations Increase Month-Over-Month Across Lending Products as Borrowers Leverage Up During Increased Stress ...

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, ...

Late-Stage Delinquencies Rising Modestly as K-Shaped Credit Economy Persists Average Balances Climb, But Utilization Stays Broadly Stable Personal Loan and Credit Card Originations Rise Year-Over-Year ...