Oct 14, 2026 Since September 2026, every lender that sells loans to Fannie Mae and Freddie Mac can choose VantageScore 4.0 instead of the Classic FICO scores (FICO 2, 4 and 5) that mortgages have used for about 20 years. Both models now share one pricing chart, so a 680 is priced as a 680 […]
Monthly Archives: October 2026
Credit Optimization, Credit Repair Blogs, Credit Score, Mortgage
The Mortgage Credit Score Shake-Up: What Every Loan Officer Needs to Know About VantageScore 4.0
14
Oct
Oct
A new credit-scoring option is changing the mortgage industry. For loan officers, it could mean more opportunities to qualify borrowers, improve loan options, and turn previously challenging files into successful closings. For decades, mortgage professionals have relied on traditional FICO scoring models to evaluate borrowers seeking conventional home loans. But the mortgage industry is undergoing […]
Credit Repair Blogs, Credit Score
When Credit Reporting Errors Go Unresolved, Consumers Pay the Price
09
Oct
Oct
At Credit Law Center, we regularly hear from consumers whose financial lives have been disrupted by inaccurate information appearing on their credit reports. While federal law gives consumers the right to dispute reporting errors, many discover that correcting those mistakes can be far more difficult than it should be. One recent example involved a consumer […]