Search results for Credit Scores

An inside look at how your loans — and spending — affect your credit score

Having a variety of loans could help strengthen your credit score — or harm it, depending on your spending and payment history. But a credit card, car loan and mortgage work differ...

9 Best Credit Score Apps

Your credit score is a number just like your birthday, your age, your weight, your income, and any other number associated with your life. However, when it comes to credit scores,...

Kovo Credit Builder Review

According to Credit Strong, Generation Z has an average credit score of 674, while Millennials have an average score of 680. The average is 699 for Generation X, 736 for Baby Boome...

15 things you’re doing to hurt your credit score without realizing it

A credit score below 670 qualifies you for subprime rates on a mortgage. A score of 760 or above gets the best available rate. On a $300,000 loan, the difference between those two...

Fannie Mae, Freddie Mac Embrace Alternative Credit Scoring

As economic pressures continue to price many prospective buyers out of homeownership, Fannie Mae and Freddie Mac are turning to new credit-scoring models in an effort to widen acce...

Fannie Mae, Freddie Mac, and FHA announce new credit score models accepted for mortgage underwriting

On April 22, the FHFA and HUD jointly announced that the government-sponsored enterprises (GSEs), Fannie Mae and Freddie Mac, will begin accepting mortgage loans assessed using new...

Credit Score Calculator

Your fast path to Credit Score Calculator (Personal Finance): calculator + FAQ, Meaning, Examples, Benefits, and Disadvantages. The post Credit Score Calculator appeared first on W...

Credit Reporting - March 2026

Welcome to the ninth chapter of our annual report, Consumer Financial Services: 2025 Year in Review. In 2025, Goodwin tracked four public enforcement actions related to credit rep...

Personal finance links: improving your credit score

Wednesdays are all about personal finance here at Abnormal Returns. You can check out last week’s links including a look at increased...

Fannie and Freddie To Allow Credit Scores Based on Rent and Utilities Payments

"If you pay your rent on time, you are more likely to pay your mortgage on time," FHFA Director Bill Pulte said.

The Gathering 2026: Mortgage execs debate the hidden risks of credit score reform

Mortgage industry executives say the shift to new credit score models and lender choice could raise mortgage delinquencies, reshape pricing grids at the government-sponsored enterp...

Gen Z is opening more credit cards and seeing their credit scores drop

Gen Z is opening more credit cards and seeing their credit scores drop

Building Your Credit History in Canada: A Guide for Newcomers

If you are new to Canada, you may hear people talk about credit scores. But what exactly are they? A credit score is a three-digit number based on information in your credit report...

How to Build Credit to Buy a House

(First-Time Buyers in Orlando & Kissimmee) Table of Contents Pull Your Credit Reports Never Miss a Payment Lower Your Credit Utilization Avoid Opening New Credit Build Credit F...

Fair Isaac: Pricing The Standard

Why Tri-Merge Credit Reports Make a Big Impact

When it comes to loans, determining the price is anything but easy. Market conditions, economic forecasts, and global affairs all play a role in determining a loan’s price. However...

Did HUD, FHFA push homebuying into a new era with credit score advancements?

The resounding theme of the press conference was about making credit scoring “cheaper” for borrowers at the time of loan origination.

US Government to Implement New Credit Score Models for Mortgages

By Naveen Athrappully The Federal Housing Administration (FHA) has joined with Fannie Mae and Freddie Mac to implement new mortgage credit scoring models, aimed at making homebuyin...

Rocket Mortgage, Rocket Pro adopt VantageScore 4.0

Rocket began using VantageScore 4.0 with Classic FICO, as FHFA pilots the model and lenders delivered $10 million in loans to Freddie Mac.

Lenders wrestle with the nuances of modern credit score pricing

Mortgage lenders are currently wrestling with a high-stakes puzzle: how to accurately compare the new credit score models hitting the market. The differences are significant and ca...

How to Pay Off Debt Without Hurting Your Credit Score | Credit Canada

Paying off debt is a win. But it doesn't always feel that way, especially when you check your credit score a week after making that final payment and find it’s gone down.

Freddie Mac securitizes first wave of Newrez mortgages with VantageScore 4.0

Newrez originated roughly $10 million in mortgages scored with VantageScore 4.0 that Freddie Mac has now securitized, the company announced Friday.

VantageScore mortgages are saving borrowers money, but some experts see higher risks

How UWM got VantageScore to brokers quickly, and why there are still questions about risk