FHFA and Fannie Mae have eliminated rigid minimum credit score floors (like 620) for conventional mortgages Lenders now can ...

Achieving a perfect 850 credit score takes decades. But you can copy the same habits and still get top loan rates and credit cards.

In July 2025, the Federal Housing Finance Agency (FHFA) adopted the use of VantageScore 4.0 in addition to Classic FICO. 1 This study analyzes the impact of introducing a dual credit score ...

(THE CONVERSATION) With the cost of borrowing money to buy a home or a car inching ever higher, understanding who gets access to credit, and at what interest rate, is more important for borrowers’ ...

Got FICO? Drop below 700, and you’ll be limited to loans carrying the highest interest rates or often no loans at all. Sound outdated? It is.

FICO has fired its latest shot in the credit scoring wars, launching a direct license program that promises to slash costs for lenders by cutting out credit bureau markups. But not everyone is ...

Aiming to hit the credit-score ceiling? Going by the FICO® Score system, 850 is the highest credit score possible. It means lenders see you as a super low-risk borrower with a long track record of ...

America's credit scores are slipping, and the pullback is the sharpest in more than a decade. Behind that national slide, one generation in particular is taking the hardest hit, with young borrowers ...

Addressing debt directly, even though it may be uncomfortable, is one of the most effective ways to regain control. This might include applying for a consolidation loan, following a structured ...

Fair Isaac Corporation's moat is being tested by the recent changes in the mortgage credit score system. But the real impact is limited: mortgage originations account for 44% of scores' revenues, and ...