The mortgage credit score framework is evolving. Approved lenders may currently use VantageScore 4.0 or Classic FICO for eligible GSE loans through the tri-merge credit report requirement, while FICO 10T is planned for future use. At ISC, VantageScore 4.0 is opt-in and not included by default; where supported it can be added alongside Classic FICO or ordered as a VantageScore-only report.
Understand current scoring-model options, trended credit data, lender approval considerations, and how implementation may vary by investor, GSE, and platform support.
Enter your details below to access the full PDF immediately.