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    VantageScore for Mortgages



    The Federal Housing Finance Agency (FHFA) has mandated the use of VantageScore 4.0 for all loans sold to, and guaranteed by, the Government Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac. Start using VantageScore 4.0 today.

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    VantageScore has revolutionized the credit scoring marketplace by leveraging data analytics to make access to credit more equitable since 2006.

    Over 3,000 banks, fin-techs and other companies use VantageScore credit scores every day to assess consumer creditworthiness. Last year, over 19 billion VantageScore credit scores were used representing a 30% yearly increase. Most top 10 US banks, large credit unions and leading fin-techs use VantageScore credit scores in one or more lines of business including credit cards, auto loans, personal loans and more.

    Starting in 2024 the FHFA has required VantageScore credit scores to be used for all mortgages sold to, or guaranteed by, Fannie Mae and Freddie Mac. Get started using VantageScore credit scores today - we are the leader in predictive power and financial inclusion.

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    VANTAGESCORES PROVIDED BY CONSUMER WEBSITES

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    VANTAGESCORES USED BY CREDIT-CARD ISSUERS

    We are an independently managed company that holds the intellectual property rights to the VantageScore credit scoring model. We do not market the VantageScore model, sell credit scores or manage credit report data. We have entered into licensing agreements with Equifax, Experian and TransUnion that allow each of them to market the VantageScore model and sell VantageScore credit scores.

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