{"id":8948,"date":"2026-08-12T11:00:34","date_gmt":"2026-08-12T17:00:34","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=8948"},"modified":"2026-08-12T11:11:16","modified_gmt":"2026-08-12T17:11:16","slug":"what-vantagescore-4-0-means-to-you-and-your-credit-report","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/what-vantagescore-4-0-means-to-you-and-your-credit-report.html","title":{"rendered":"What Is VantageScore 4.0? The New Standard for Your Credit\u00a0"},"content":{"rendered":"<a href=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2017\/05\/Vantage-4.0-Credit-score.jpg\"><img decoding=\"async\" class=\"aligncenter wp-image-8792\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2017\/05\/Vantage-4.0-Credit-score.jpg\" alt=\"rebuilding credit\" width=\"500\" height=\"334\" \/><\/a>\n<h3><b><span data-contrast=\"none\">Key takeaways<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:160,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">VantageScore 4.0 is developed jointly by Equifax\u00ae, Experian\u00ae and TransUnion\u00ae and is now a requirement for mortgage lending through Fannie Mae and Freddie Mac.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:40,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Unlike older models, VantageScore 4.0 analyzes your 24-month credit trajectory \u2014 rewarding consumers who are actively paying down debt, not just those with a clean snapshot.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:40,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">The model can generate a score with as little as one month of credit history, making it significantly more inclusive than legacy scoring models.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:40,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"none\">VantageScore 4.0 excludes all medical debt from scoring, which can meaningfully\u00a0benefit\u00a0consumers whose reports include medical collections.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:40,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"none\">Understanding how the 4.0 model weighs trended data gives you a concrete framework for improving your score over the next three to six months.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:40,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n\n<span data-contrast=\"none\">VantageScore 4.0 is no longer just an alternative to FICO\u00ae \u2014 it is now a requirement for the American mortgage market. Also referred to as a vantage score, this model was developed by Equifax\u00ae, Experian\u00ae and TransUnion\u00ae and uses machine learning and trended data to provide a more\u00a0accurate\u00a0picture of your financial health than a single-point-in-time snapshot ever could.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n\n<span data-contrast=\"none\">While FICO\u00ae\u00a0remains\u00a0a household name, Fannie Mae and Freddie Mac now\u00a0require\u00a0VantageScore 4.0 alongside FICO\u00ae 10T for conforming mortgage applications \u2014 meaning your vantage credit score is more influential than ever. A 2026 analysis found that the FHFA&#8217;s decision to introduce score competition is generating\u00a0nearly\u00a0$1 billion\u00a0in annual mortgage cost savings for American homebuyers. Understanding how this model tracks your credit behavior over\u00a024 months\u00a0is essential for anyone looking to secure a loan today.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n<h3><b><span data-contrast=\"none\">What Is VantageScore 4.0?<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<span data-contrast=\"none\">VantageScore 4.0 is the latest iteration of the tri-bureau credit scoring model created by Equifax\u00ae, Experian\u00ae\u00a0and TransUnion\u00ae. It\u00a0represents\u00a0a substantial departure from legacy models \u2014 including VantageScore 3.0 \u2014 in how it gathers,\u00a0interprets\u00a0and weights the data behind your score. Where VantageScore 3.0 was primarily used for educational purposes or soft-pull applications, VantageScore 4.0 is a primary model for high-stakes lending, including mortgages, auto\u00a0loans\u00a0and credit cards.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n\n<span data-contrast=\"none\">Key changes from VantageScore 3.0 to 4.0 include:<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"6\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Trended data.\u00a0<\/span><\/b><span data-contrast=\"none\">VantageScore 4.0 is the first tri-bureau scoring model to incorporate trended credit data \u2014 analyzing payment and balance behavior across a 24-month window rather than at a single point in time.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"7\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Medical debt exclusion.\u00a0<\/span><\/b><span data-contrast=\"none\">The model excludes all medical collections from scoring, including unpaid medical accounts. Under VantageScore 3.0, a medical collection could significantly depress a score even when the borrower was otherwise creditworthy.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"8\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Thin-file scoring.\u00a0<\/span><\/b><span data-contrast=\"none\">VantageScore 4.0 uses machine learning to score consumers with as little as one month of credit history.\u00a0Legacy models, including VantageScore 3.0,\u00a0required\u00a0a minimum of six months of activity before generating a score.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"9\" data-aria-level=\"1\"><b><span data-contrast=\"none\">NCAP compliance.\u00a0<\/span><\/b><span data-contrast=\"none\">The model was designed to\u00a0maintain\u00a0predictive strength even as tax liens and civil judgments were removed from credit files under the National Consumer Assistance Plan.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<span data-contrast=\"none\">The table below shows how VantageScore 4.0 compares to the legacy models it is replacing:<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n<table>\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>Legacy Models<\/th>\n<th>VantageScore 4.0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Credit snapshot<\/strong><\/td>\n<td>Single point in time<\/td>\n<td>24-month trended trajectory<\/td>\n<\/tr>\n<tr>\n<td><strong>New borrowers<\/strong><\/td>\n<td>Requires 6 months of history<\/td>\n<td>Can score in 1 month<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical debt<\/strong><\/td>\n<td>Often penalizes<\/td>\n<td>Excluded from scoring<\/td>\n<\/tr>\n<tr>\n<td><strong>Mortgage pull cost<\/strong><\/td>\n<td>High ($12\u2013$50+)<\/td>\n<td>Low (~$1 per score)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b><span data-contrast=\"none\">How VantageScore 4.0 Works<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<span data-contrast=\"none\">The defining feature of VantageScore 4.0 is its use of trended credit data. Rather than asking &#8220;what does your credit look like today,&#8221; the model\u00a0asks\u00a0&#8220;what has your credit behavior looked like for the past\u00a024 months?&#8221; This distinction matters because it allows the model to distinguish between two borrowers with identical current balances \u2014 one who has been steadily\u00a0paying down\u00a0debt and one who has been steadily accumulating it. The first borrower\u00a0represents\u00a0lower risk, and VantageScore 4.0 scores them accordingly.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n\n<span data-contrast=\"none\">The model also distinguishes between &#8220;transactors&#8221; \u2014 consumers who pay their balances in full each month \u2014 and &#8220;revolvers&#8221; \u2014 those who carry a balance. Transactors receive a scoring advantage because the 24-month trajectory confirms a pattern of responsible\u00a0utilization\u00a0rather than reliance on credit. For consumers with limited history, VantageScore 4.0 applies machine learning-derived scorecards built from thousands of behavioral combinations common among on-time payers, enabling it to generate a predictive vantage score for thin-file consumers who would return &#8220;unscorable&#8221; under older models.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n<h3><b><span data-contrast=\"none\">Who Uses the VantageScore 4.0 Model?<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<span data-contrast=\"none\">VantageScore 4.0 is no longer limited to fintech experimentation \u2014 it is embedded across the mainstream lending ecosystem. Understanding who pulls this score helps you\u00a0anticipate\u00a0when and how your 24-month trajectory is being evaluated.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"10\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Mortgage lenders.\u00a0<\/span><\/b><span data-contrast=\"none\">As of the 2025\u20132026 rollout, both Fannie Mae and Freddie Mac\u00a0require\u00a0VantageScore 4.0 alongside FICO\u00ae 10T for conforming mortgage loans. This marks the first change to mortgage scoring requirements in over two decades.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"11\" data-aria-level=\"1\"><b><span data-contrast=\"none\">National banks.\u00a0<\/span><\/b><span data-contrast=\"none\">JPMorgan Chase, Capital One and American Express use VantageScore 4.0 for ongoing account management decisions \u2014 including credit limit increases and line-of-credit reviews \u2014 because the trended model shows whether a cardholder&#8217;s financial health is improving or deteriorating between applications.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"12\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Fintech and personal loan lenders.\u00a0<\/span><\/b><span data-contrast=\"none\">Platforms including SoFi, Upstart and\u00a0LendingClub\u00a0favor the machine learning\u00a0component\u00a0of VantageScore 4.0 because it allows them to approve younger borrowers and Gen Z applicants with shorter credit histories who would be declined or unscored under legacy models.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"13\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Credit card issuers.\u00a0<\/span><\/b><span data-contrast=\"none\">VantageScore 4.0 is the most widely used model for pre-approved credit card solicitations. A pre-approved offer in the mail is typically triggered by a VantageScore 4.0 soft pull that\u00a0identified\u00a0you as a low-risk candidate.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"14\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Auto lenders and neobanks.\u00a0<\/span><\/b><span data-contrast=\"none\">Because auto loans\u00a0frequently\u00a0serve near-prime and subprime borrowers, lenders use the 24-month trend to\u00a0determine\u00a0whether a borrower&#8217;s debt load is declining (improving risk) or growing (rising risk) before making an approval decision.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><b><span data-contrast=\"none\">VantageScore 4.0 vs. FICO 10T<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<span data-contrast=\"none\">Both VantageScore 4.0 and FICO\u00ae 10T are now\u00a0validated\u00a0for use by Fannie Mae and Freddie Mac,\u00a0representing\u00a0a fundamental shift in what lenders call the &#8220;credit score wars.&#8221; As of 2026, the industry is moving toward a bi-merge requirement \u2014 meaning mortgage lenders will\u00a0likely pull\u00a0one of each model to construct a complete view of a borrower&#8217;s 24-month financial trajectory. For borrowers, this means your credit behavior is being assessed through two predictive lenses simultaneously.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n\n<span data-contrast=\"none\">The two models share the 24-month trended window but diverge meaningfully on inclusivity and market alignment. Understanding\u00a0<\/span><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/types-of-credit-scores.html\"><span data-contrast=\"none\">types of credit scores<\/span><\/a><span data-contrast=\"none\">\u00a0can help you understand where each model fits in your broader credit profile. The comparison below highlights the key differences:<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n<table>\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>VantageScore 4.0<\/th>\n<th>FICO 10T<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Data window<\/strong><\/td>\n<td>24 months (trended)<\/td>\n<td>24 months (trended)<\/td>\n<\/tr>\n<tr>\n<td><strong>Minimum history<\/strong><\/td>\n<td>1 month<\/td>\n<td>6 months<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical debt<\/strong><\/td>\n<td>Excludes all medical debt<\/td>\n<td>Excludes paid; keeps some unpaid<\/td>\n<\/tr>\n<tr>\n<td><strong>Rental data<\/strong><\/td>\n<td>Ingests via all three bureaus<\/td>\n<td>Ingests primarily via Experian\/Equifax<\/td>\n<\/tr>\n<tr>\n<td><strong>Market lean<\/strong><\/td>\n<td>Inclusive\/Fintech-friendly<\/td>\n<td>Established\/Legacy-heavy<\/td>\n<\/tr>\n<tr>\n<td><strong>FHFA status<\/strong><\/td>\n<td>Full implementation (2025\/2026)<\/td>\n<td>Staged implementation (ongoing)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b><span data-contrast=\"none\">Benefits of VantageScore 4.0<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<span data-contrast=\"none\">The adoption of VantageScore 4.0\u00a0represents\u00a0a genuine win for both lenders and borrowers \u2014 not a marketing repositioning. Here is what the data shows for each stakeholder group:<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"15\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Cost savings for homebuyers.\u00a0<\/span><\/b><span data-contrast=\"none\">VantageScore 4.0 costs lenders\u00a0roughly 90 percent\u00a0less to pull than legacy FICO\u00ae scores \u2014 approximately $1 per score versus $12 to $50 or more. A 2026 Deep Future Analytics study\u00a0found\u00a0the FHFA&#8217;s mortgage credit score competition decision is delivering\u00a0nearly\u00a0$1 billion\u00a0in annual industry-wide savings, with a meaningful share of those savings passing to consumers through reduced closing costs.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"16\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Greater accuracy through trended data.\u00a0<\/span><\/b><span data-contrast=\"none\">Consumers who pay their balance in full each month \u2014 &#8220;transactors&#8221; in VantageScore terminology \u2014 receive a scoring advantage that snapshot models would miss entirely. This provides a fairer vantage credit score for anyone actively managing their debt rather than simply holding it steady.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"17\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Financial inclusion for thin-file consumers.\u00a0<\/span><\/b><span data-contrast=\"none\">VantageScore 4.0 can score someone with as little as one month of credit history, compared to the six-month minimum under older models. According to Experian, VantageScore 4.0 scores more than 33 million\u00a0additional\u00a0consumers \u2014 many of them Gen Z, recent immigrants or individuals who have historically avoided formal credit products.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"18\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Better default prediction for lenders.\u00a0<\/span><\/b><span data-contrast=\"none\">Equifax data\u00a0indicates\u00a0VantageScore 4.0 achieves approximately 15 percent higher success rates in predicting defaults compared to legacy models. This improved predictive power allows lenders to approve more applicants without\u00a0taking on\u00a0greater risk \u2014 a direct driver of broader credit access.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"19\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Integration of alternative data.\u00a0<\/span><\/b><span data-contrast=\"none\">VantageScore 4.0 is designed to ingest alternative data including rent,\u00a0utility\u00a0and telecom payment history. For consumers building or rebuilding credit, consistent on-time bill paying now directly influences mortgage readiness in ways it did not under earlier scoring generations.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<span data-contrast=\"none\">To understand how your VantageScore 4.0 fits into the broader scoring landscape, see our guide to\u00a0<\/span><a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-score-ranges\"><span data-contrast=\"none\">credit score ranges<\/span><\/a><span data-contrast=\"none\">\u00a0and learn about\u00a0<\/span><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/credit-facts.html\"><span data-contrast=\"none\">credit facts<\/span><\/a><span data-contrast=\"none\">\u00a0every borrower should know.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n\n<b><span data-contrast=\"none\">How to Improve Your Score Under the 4.0 Model<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span>\n\n<span data-contrast=\"none\">Because VantageScore 4.0 evaluates your 24-month trajectory, the most effective improvement strategies\u00a0establish\u00a0a sustained directional trend. To start, learn\u00a0<\/span><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-check-credit-score.html\"><span data-contrast=\"none\">how to check your credit score<\/span><\/a><span data-contrast=\"none\">\u00a0so you have a baseline before applying any strategy. Two levers have an outsized effect under the 4.0 model specifically:<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"20\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Maintain a downward balance trend for three to six months.\u00a0<\/span><\/b><span data-contrast=\"none\">If your\u00a0utilization\u00a0is high, the 4.0 model will begin rewarding you as soon as that trend reverses \u2014 you do not have to reach a low\u00a0utilization\u00a0threshold before seeing movement. Focus on reducing total revolving balances by a consistent amount each month rather than paying one account to zero while neglecting others.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n \t<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:360,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;}\" data-aria-posinset=\"21\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Register your rent and utility payments.\u00a0<\/span><\/b><span data-contrast=\"none\">VantageScore 4.0 can ingest alternative data when it is reported. Rent reporting services such as Experian\u00a0RentBureau, rental tradeline programs and utility payment reporting can convert on-time monthly payments into positive scoring signals \u2014 particularly valuable for thin-file consumers who have limited traditional credit history.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:60,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<span data-contrast=\"none\">Inaccurate entries on your credit report can suppress your score regardless of how strong your recent behavior has been. Outdated accounts,\u00a0erroneous\u00a0late payments\u00a0or debts that do not belong to you all undermine the positive trajectory VantageScore 4.0 is designed to reward. Our\u00a0<\/span><a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-repair-guide\"><span data-contrast=\"none\">credit repair guide<\/span><\/a><span data-contrast=\"none\">\u00a0walks through how to\u00a0identify\u00a0these items and the process for disputing them.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n\n<span data-contrast=\"none\">At Lexington Law Firm\u00ae, our advocates review your credit report to work with you to\u00a0identify\u00a0potentially inaccurate or unfair entries and dispute them with the bureaus and creditors \u2014 helping ensure your file reflects\u00a0an accurate\u00a0picture before a lender pulls your score. To learn more, explore\u00a0our\u00a0<\/span><a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair-services\"><span data-contrast=\"none\">credit repair services<\/span><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n\n\n<h3><b><span data-contrast=\"none\">Vantagescore\u00a04.0: Frequently Asked Questions<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:360,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<h4><b><span data-contrast=\"none\">Is VantageScore 4.0 higher or lower than my FICO score?<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h4>\n<span data-contrast=\"none\">VantageScore 4.0 and FICO\u00ae scores use the same 300\u2013850 range, so the scores are numerically comparable \u2014 but they are not interchangeable. Because VantageScore 4.0 excludes all medical debt and rewards positive trended behavior more aggressively, many consumers find their VantageScore 4.0 is modestly higher than their FICO\u00ae score. Consumers with recent negative\u00a0items\u00a0but a strong recent payment trajectory may also score better under VantageScore 4.0 because the 24-month window places less weight on older derogatory data. To understand your full picture, check both scores if your lender requires a\u00a0bi-merge\u00a0pull.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n<h4><b><span data-contrast=\"none\">Does every lender use VantageScore 4.0?<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h4>\n<span data-contrast=\"none\">Not every lender uses VantageScore 4.0, but adoption has expanded significantly. As of the 2025\u20132026 rollout, Fannie Mae and Freddie Mac\u00a0require\u00a0VantageScore 4.0 alongside FICO\u00ae 10T for conforming mortgage loans. Many national banks, credit card issuers and fintech lenders use it for credit decisions and account management, but some lenders \u2014 particularly those using legacy underwriting systems \u2014 still rely on older FICO\u00ae models. When applying for a loan, ask your lender which score model they pull. If you are new to credit,\u00a0our guide on what credit score you start with\u00a0can provide\u00a0useful\u00a0context.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n<h4><b><span data-contrast=\"none\">What is a good VantageScore?<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h4>\n<span data-contrast=\"none\">VantageScore 4.0 uses the standard 300\u2013850 scale, with the same general thresholds as most credit score models. A score of 661 to 780 is\u00a0generally considered\u00a0&#8220;good,&#8221; while 781 to 850 is &#8220;excellent.&#8221; Scores between 601 and 660 are considered &#8220;fair,&#8221; and scores below 600 are typically considered &#8220;poor&#8221; or &#8220;very poor.&#8221; See our\u00a0detailed guide on credit score ranges\u00a0for a full breakdown of what each tier means for your borrowing options. Keep in mind that individual lenders set their own\u00a0minimum\u00a0score requirements, which can vary significantly by product and risk appetite.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:276}\">\u00a0<\/span>\n\n<em><strong>Note:<\/strong><\/em> <em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a>\n\n \n\n<em>Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em>\n\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways\u00a0 VantageScore 4.0 is developed jointly by Equifax\u00ae, Experian\u00ae and TransUnion\u00ae and is now a requirement for mortgage lending through Fannie Mae and Freddie [&hellip;]<\/p>\n","protected":false},"author":63,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[19,281,348,318,349,347],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is VantageScore 4.0? 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