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| Sep 10, 2026 | New credit score pricing grids point to higher borrower costs, report shows | Fannie Mae and Freddie Mac have published official pricing grids for single-family mortgages using the traditional Classic FICO and new VantageScore 4.0 models. Early analyses suggest the new credit score model could result in higher borrow... |
| Sep 10, 2026 | Vice Capital Markets expands bid tape capabilities to include VantageScore data | PRESS RELEASE: Vice Capital Markets expands bid tape capabilities to include VantageScore dataNew capability comes as FHFA directs Fannie Mae and Freddie Mac to approve VantageScore 4.0 for all lenders
Source: Vice Capital Markets | Thu, 10... |
| Sep 10, 2026 | Consumer Credit Holds Steady as Delinquencies Ease and Mortgage Balances Come Down: VantageScore CreditGauge Insights | SAN FRANCISCO, CA, UNITED STATES, September 10, 2026 /EINPresswire.com/ -- Consumer credit conditions remained largely stable in July 2026, with delinquencies improving across the board and credit card utilization staying below year-ago lev... |
| Aug 20, 2026 | Consumer Credit Stays Healthy as Payment Discipline Holds Firm: VantageScore CreditGauge Insights | SAN FRANCISCO, CA, UNITED STATES, August 20, 2026 /EINPresswire.com/ -- Consumer credit conditions remained fundamentally healthy in June 2026, even as early signs of payment stress began to emerge in certain corners of the market. Accordin... |
| Mar 25, 2026 | As March Madness unfolds, NY Fed highlights sports betting toll on consumer credit health | As sports betting becomes more popular and less restricted, consumer credit health is suffering, according to a new report by the Federal Reserve Bank of New York.
The national average credit score has dipped as well, a separate report by F... |
| Feb 22, 2026 | Homebuyers are paying more for mortgage credit checks. Here’s why | The cost for mortgage lenders to pull credit reports from all three major credit bureaus has risen sharply, according to the Mortgage Bankers Association. Costs in 2026 could increase an average 40% to 50%, the industry association said.
Th... |
| Feb 2, 2026 | Financial Advisor Playbook
Housing affordability isn’t just hurting buyers: More homeowners are falling behind on their mortgages | Mortgages that are more than 90 days past due rose in December to about 0.20% from just under 0.17% a year earlier, according to credit scoring company VantageScore.
While nowhere near the level of delinquencies seen in 2010 due to the fina... |
| Jan 16, 2026 | 4 trends that will help mortgage lenders reach new borrowers in 2026 | With mortgage rates expected to remain flat for the foreseeable future, lenders of all sizes are looking for creative ways to attract creditworthy borrowers who may not fit into the conventional loan box.
Below are four trends that will ena... |
| Jan 8, 2026 | Consumer outlook improves despite job worries, New York Fed survey finds | The New York Fed’s monthly Survey of Consumer Expectations found that Americans are feeling more optimistic about their future financial situation and yet, delinquency expectations hit the highest level since the start of the pandemic.
Worr... |
| Dec 23, 2025 | Consumers are taking on more debt this holiday, even as they grow less confident in the economy | Amid higher prices, more than one-third of holiday shoppers racked up debt this season, averaging $1,223, according to a recent survey.
Although consumers are increasingly worried about their financial standing, holiday spending is expected... |
| Dec 20, 2025 | Markets Surge as Inflation Cools, AI Powers Tech Gains Amid Data Doubts | U.S. markets staged a powerful rebound. The S&P 500 snapped a four-day slide. Nasdaq and Dow surged. November's consumer price index surprised with cooler-than-expected inflation, reaching 2.7%. This ignited hopes for imminent Federal R... |
| Dec 20, 2025 | Trump Accounts Gain Massive Backing, Reshaping Children's Financial Future | New "Trump accounts" are transforming child savings. Government seed money, significant pledges from billionaires Michael Dell and Ray Dalio, and corporate matching fuel this initiative. These tax-advantaged accounts aim to build ... |
| Dec 20, 2025 | What the Christmas movie ‘Elf’ can teach us about today’s cost of living | In the Christmas movie “Elf,” Buddy, played by actor Will Ferrell, finds out he is human, though he has been raised by elves.
To live like his human New York City family today, it would take millions, according to a new financial analysis o... |
| Dec 18, 2025 | Here’s the inflation breakdown for November 2025 — in one chart | The consumer price index declined unexpectedly in November 2025.
It was the first CPI report from the Bureau of Labor Statistics since the government shutdown ended last month.
Economists said that the inflation numbers should be interprete... |
| Dec 18, 2025 | Health care is the ‘engine’ of the job market — and that’s risky for the economy | The health-care sector has powered job growth in the U.S. economy in 2025.
That’s largely because baby boomers are hurtling into their retirement years, boosting health-care demand since older adults generally need more medical services.
Th... |
| Dec 18, 2025 | Here’s why not everyone experiences the same inflation rate | The consumer price index rose 2.7% in November on an annual basis, according to a delayed report from the Bureau of Labor Statistics released Thursday.
But the pain of higher prices is not shared equally: Lower-income households face greate... |
| Dec 18, 2025 | Trump promises ‘largest tax refund season of all time.’ What you can expect | President Donald Trump is promising bigger tax refunds in 2026 due to cuts made through his “big beautiful bill.”
Enacted in July, the legislation included several retroactive tax changes for 2025, which will have an impact on returns filed... |
| Dec 17, 2025 | ACA Subsidy Deadlock Threatens Millions with Soaring Health Premiums | Millions of Americans face drastic health insurance cost increases. Enhanced Affordable Care Act (ACA) subsidies expire January 1. Senate efforts to extend relief or offer alternatives failed. Premiums could more than double for many. A bip... |
| Dec 17, 2025 | Ray Dalio joins Michael Dell in backing ‘Trump accounts’ for kids | Billionaire hedge fund manager Ray Dalio of Bridgewater Associates and his wife, Barbara, committed to seed Trump accounts for approximately 300,000 children in Connecticut.
Following the Dells’ pledge, the funds will be aimed at kids who l... |
| Dec 16, 2025 | Trump officials move slowly on student loan forgiveness, repayment plan backlog: court filing | Under the Trump administration, hundreds of thousands of student loan borrowers remain stuck in a backlog of applications for an affordable repayment plan or debt forgiveness, a new court filing shows.
Just 170 student loan borrowers enroll... |
| Dec 16, 2025 | ACA subsidy fraud is ‘rampant,’ Republicans say. Some health policy experts disagree | Fraud is one reason Republicans in Congress say they don’t want to extend enhanced subsidies for Affordable Care Act health insurance premiums.
The Government Accountability Office recently issued a report outlining how fraudsters may have ... |
| Dec 12, 2025 | Why affordability is the ‘beating heart’ of the ACA enhanced subsidy debate, health policy experts say | Enhanced subsidies for Affordable Care Act health insurance premiums are set to expire at year’s end if Congress doesn’t extend them.
Health proposals from Senate Democrats and Republicans failed on Thursday.
Democrats wanted a three-year e... |
| Dec 11, 2025 | Why single-income households are ‘a bygone era,’ according to experts | The traditional American family doesn’t look the way it did a generation ago, when there was more likely to be one breadwinner.
In two-parent households today, both spouses often work outside the home, by choice and necessity.
Over the year... |
| Dec 11, 2025 | IRS releases health savings account expansion details under Trump’s ‘big beautiful bill’ | The U.S. Department of the Treasury and IRS have released health savings account expansion details enacted under President Donald Trump’s “big beautiful bill.”
The guidance covers changes to HSA eligibility via high-deductible health plans.... |
| Jul 31, 2025 |
FICO CEO defends credit score pricing amid FHFA criticism, says cost isn’t blocking home ownership | Monday - Friday, 6:00 - 7:00 PM ET
Fair Isaac CEO Will Lansing pushed back against criticism of his company’s FICO score pricing.
He touted the quality of the FICO models and said credit score pricing isn’t hurting home owners.
Newly-appoin... |
| Jun 26, 2025 | Student loan borrowers face ‘default cliff’ as late payments climb, report finds | As the U.S. Department of Education ramps up collection efforts on past-due federal student loans, a default wave is coming, new reports show.
Of the 5.8 million newly delinquent borrowers, nearly one-third could reach default status in Jul... |
| May 30, 2025 | 3 key money moves to consider while the Fed keeps interest rates higher | Federal Reserve Chair Jerome Powell has signaled that the central bank is in no hurry to start trimming its benchmark.
Everything from car loans to credit cards are affected by the Fed’s stance on monetary policy.
Here’s how to make the mos... |
| May 22, 2025 | Checking Accounts and Credit Scores: How They’re Connected | Most people understand that credit cards and loans impact their credit scores, but the relationship between a checking account and credit score isn’t as widely known.
While your checking account doesn’t directly influence your credit score ... |
| May 13, 2025 | As student loan default rate spikes, some borrowers face ‘grave consequences,’ New York Fed says | The delinquency rate for student loan balances spiked after a nearly five-year pause due to the pandemic, according to a new report from the Federal Reserve Bank of New York.
Now, millions of borrowers face steep declines in their credit st... |
| May 5, 2025 | Student loan default has ‘dramatic and immediate’ credit score impact, expert says — with drop of up to 175 points | As the U.S. Department of Education restarts collections on federal student loans that are in default, some student loan borrowers are seeing an instant hit to their credit scores, according to a new report by TransUnion.
Borrowers who had ... |
| May 5, 2025 | Trump administration restarts student loan collections for millions in default after years-long pause | The U.S. Department of Education will resume collecting on defaulted student loans on Monday.
More than 5 million borrowers are currently in default, and that total could swell to roughly 10 million borrowers within a few months, according ... |
| Mar 25, 2025 | US consumers slow spending as inflation bites, Synchrony says | US consumers slow spending as inflation bites, Synchrony says
By Nupur AnandMarch 25, 20255:25 PM UTCUpdated ago
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US consumers curb spending amid hi... |
| Mar 6, 2025 | As Trump goes after Education Department, staff cuts leave student loan borrowers in the dark | The Education Department’s role working on federal student loan borrowers’ complaints is at risk after significant staff cuts under President Donald Trump, employees at the agency said.
The in-house team dedicated to helping borrowers with ... |
| Mar 5, 2025 | Millions of student borrowers are behind on loans — and may see their credit scores tank, VantageScore finds | The more than 9 million federal student loan borrowers, who are late on their bills, may see their credit scores tank by as much as 129 points, a new report finds.
Borrowers with past-due student loans and lower credit scores face higher bo... |
| Jan 2, 2025 | Transforming Your Financial Future: Strategies for 2025 | As we step into 2025, many of us are looking to reshape our financial lives. Money can feel like a heavy anchor, dragging us down. But it doesn’t have to be that way. With the right mindset and strategies, we can turn our financial ship aro... |
| 2025 | Business | 10 tips from experts to help you change your relationship with money in 2025 | Change your relationship with money
Think about how you currently deal with finances — what’s good, what’s bad, and what can improve.
“Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educa... |
| Oct 28, 2024 | FHLBank of New York expands credit access for underserved borrowers | In a significant move designed to expand homeownership access, the Federal Home Loan Bank of New York (FHLBNY) announced the adoption of an alternative credit scoring model to boost mortgage credit availability.
The wholesale bank will now ... |
| Oct 25, 2024 | Open banking is on the verge of transforming mortgages. Most are unaware of it | A future glimpse into how mortgages will be created in 2035 can be found in a woodsy office park in Athens, Georgia. FormFree, a mortgage fintech founded in the midst of the Global Financial Crisis by Brent Chandler, is putting the customer... |
| Oct 3, 2024 | Credit Score Trends Across Generations and How It Influences Mortgage Rates in 2024 | This bar chart visualizes the range of mortgage interest rates in 2024 based on four credit score categories: Poor (below 650), Fair (650-699), Good (700-749), and Excellent (750+). Each category shows a minimum and maximum interest rate, w... |
| Jul 6, 2024 | Business | We’re halfway through 2024. It’s a good time to check your credit | “Any errors or unusual information there might be a clue that somebody is trying to steal your identity,” says Bruce McClary, senior vice president of memberships and communications at the National Foundation for Credit Counseling. “It’s a ... |
| Jun 27, 2024 | Business | Busting 5 common credit misconceptions | This is true for a couple of reasons.
First, payment history has the biggest influence on credit scores. Lenders want to see that you consistently pay back money you’ve borrowed. So you want to make sure you never miss a payment.
Second, cr... |
| Jun 12, 2024 |
CFPB proposal would ban medical debt from credit reports | The Consumer Financial Protection Bureau (CFPB) announced Tuesday that it was proposing a rule to remove medical bills from most credit reports. In doing so, this would prevent credit-reporting companies from sharing medical debts with mort... |
| Jun 4, 2024 | Plaid intros cash flow data-based credit report | figcaption>span]:font-sans">
Plaid is expanding its product suite with the launch of a credit report that gives lenders insights into consumer cash flows.
Why it matters: Cash flow data can be used to underwrite credit products f... |
| May 15, 2024 |
VantageScore releases new credit-scoring model | VantageScore has released a pilot of its latest credit-scoring model, VantageScore 4 Plus, for banks, fintechs and government lenders.
The new model combines alternate open banking data with traditional credit data, which it claims gives le... |
| May 15, 2024 | New Alternative Data VantageScore 4plus™ Credit Scoring Model Boosts Predictive Power and Financial Inclusion | VantageScore 4plus Uses Open Banking Data from Any Aggregator and is Compatible with All Major Credit Reports
SAN FRANCISCO, May 15, 2024 /PRNewswire/ -- VantageScore today announced that its newest credit-scoring model, VantageScore 4plus™... |
| Nov 9, 2023 | Why credit scores for 27 million Americans are surging | Yana Iskayeva/Getty Images
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Last year, the three major credit bureaus announced changes to medical debt reporting.
They started removing unpaid medical debts of $500 or less from credit reports.
A new Urban Institute report found ... |
| May 6, 2023 | Riverside, CA credit repair service StrongCreditRepair.com clientele increase after new report on consumer credit scores | StrongCreditRepair.com is a Riverside, California credit repair service.
Strong Credit Repair in Riverside, California walks consumers through the process of repairing their credit from start to finish, and what to expect from the process.
... |
| Nov 23, 2022 | VantageScore is the second largest credit scoring model. It's slowly gaining momentum, but may become very important soon.
Self Visa® Credit Card | VantageScore 4.0 takes payment history into greater consideration than its previous generation. Oscar Wong/ Getty Images
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| Aug 2, 2022 | Gen Z is racking up credit card debt almost three times as fast as everyone else as inflation sinks in | Gen Z is having a harder time paying off their credit cards as inflation increases.
Compared to a year ago, credit card balances for younger people increased by 30%, VantageScore data shows.
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Young people are starting to see th... |
| Dec 6, 2021 | How to create a clearer path for credit invisibles | (BPT) - Financial experts have been talking a lot about “credit invisibles” lately. The term refers to people who do not meet the minimum criteria to generate a credit score. Having a good credit score is important for a variety of reasons,... |
| Dec 5, 2021 | Here’s why you have many different credit scores | Dear Liz: Have you ever covered the fact that the credit score that a person receives from the reporting agencies is entirely different from the one provided to lenders? The difference I discovered was 819 vs. 710. I’m a retired lawyer who ... |
| Nov 22, 2021 | 4 expert tips to protect yourself from credit scams | (BPT) - While credit scams have been around forever, they've recently exploded in number. According to Mint, from 2019 to 2020, the number of identity theft reports went up by 113% and the number of reports of identity theft by credit cards... |
| Sep 22, 2021 | 3 credit factors that might affect your auto & homeowner’s insurance premiums | (BPT) - People think of their credit scores when measuring their "creditworthiness," like when they're looking to take out a loan, buy a home or open a new credit card. But did you know your insurance credit score can affect your ... |
| Sep 8, 2021 | Credit scores hit a 13-year high, but big disparities remain. See how your state fares | Subscribe to Fortune Daily to get essential business stories straight to your inbox each morning.
Despite the financial turmoil many Americans have experienced since the COVID-19 pandemic hit the U.S., credit scores have continued to climb—... |
| Jul 21, 2021 | 3 ways credit plays into mortgage refinancing | (BPT) - If you’re thinking about refinancing your mortgage, there’s often a lot to consider. For instance, your decision to refinance may rely on current interest rates or your personal financial situation.
Your credit score also plays a ro... |
| May 25, 2021 | Average National VantageScore® Credit Score Continues to Increase to 694; Up Six Points From Early Pandemic Levels | VantageScore Solutions, LLC, the developer of the VantageScore credit score model, announced today a free and transparent resource that provides key consumer credit score metrics and insights at https://vantagescore.com/consumer-credit-scor... |
| May 3, 2021 | Reduce your credit carb intake with these tips | (BPT) - Healthy eating and credit score maintenance have a lot in common. They both require focus, discipline and consistency. You can take steps to boost your credit to a score you’re satisfied with, but, much like eating healthy, it doesn... |
| Apr 19, 2021 | Things you didn’t know that could hurt your credit score | (BPT) - There are a lot of misconceptions about credit scores, including how common credit behaviors could impact your credit score. In reality, your credit score changes all the time.
Your credit score can fluctuate for a number of reasons... |
| Mar 31, 2021 | Business credit scores: 6 things every entrepreneur should know | (BPT) - Do you have a side hustle you're looking to grow? Are you a small-business owner wondering if you should use your personal credit for your business? Before you do, consider your business credit score. Whether it's a modest side gig ... |
| Mar 31, 2021 | Pursuing a mortgage with 'less-than-perfect' credit | (BPT) - Owning a home is the cornerstone of the American dream. There's nothing like having a permanent plot of land you can call your own.
But, if you've hit a rough patch with your credit score, this dream might feel like it's out of reac... |
| Feb 19, 2021 | 5 eye-opening ways a strong credit score can help build wealth | (BPT) - You may check your bank balance daily, your savings accounts regularly and you probably know roughly how much cash is in your wallet. But if someone asked you what your credit score is, would you be able to answer? Your credit score... |
| Feb 19, 2021 | 5 eye-opening ways a strong credit score can help build wealth | (BPT) - You may check your bank balance daily, your savings accounts regularly and you probably know roughly how much cash is in your wallet. But if someone asked you what your credit score is, would you be able to answer? Your credit score... |
| Jul 21, 2020 | I get different credit scores from my bank and card companies. What gives? | Dear Liz: I have three financial providers that supply regular, free credit scores: my bank and two credit card issuers. My credit score from the bank is always a “perfect score” while the two card companies are consistently 17 points lower... |
| Dec 4, 2019 | VantageScore's latest model provides more accurate credit scores | VantageScore President and CEO Barrett Burns discusses the FHFA’s new credit score competition rule issued in August and what it means for the mortgage industry and consumers. Burns says the decision will open up competition for all credit ... |
| Jun 9, 2019 | How to boost your credit score before you buy a house | Dear Liz: I am trying to purchase my first home. I have a 20% down payment for the price range that I am looking for. The issue I am running into is that I have relatively new credit and my credit score is not great at all. I had to go to t... |
| May 24, 2019 | Credit scores are rising. Is yours too? | Credit scores are creeping up for most Americans, according to a report from credit bureau Experian.
The average U.S. credit score hit 680 in 2018, up from 675 the year before, the report found. That’s the biggest one-year jump since 2008, ... |
| Feb 17, 2019 | Take a look behind the credit-score numbers game | Dear Liz: I recently got an email from my credit card issuer stating my credit score had just dropped 21 points. Having a good credit score and not aware of any recent adverse actions, my first reaction was alarm.
Checking with the issuer o... |
| Opinion: Easing GSE credit score requirements raises risk concerns | At a time when lack of affordability is a major issue for prospective homebuyers, eliminating minimum credit score requirements in GSE automated underwriting may sound like a great idea to expand credit access. However, there’s a reason the... |
| FICO and VantageScore are the ‘Coke and Pepsi’ of credit scoring, says credit expert—what to know about each | When you view your credit score, you’re likely to see a different three-digit number depending on whether you checked your score online, on your banking app or via another means.
Although you have multiple credit scores, they’re mainly calc... |
| Gen Z is racking up credit card debt almost three times as fast as everyone else as inflation sinks in | Credit card consolidation can be a strategic move to pay off credit card debt and pay less in interest over time. Wera Rodsawang/Getty
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Gen Z is having a harder time paying off their credit cards as inflation increases.
Compared t... |
| Rental payment reporting boosts mortgage eligibility | As rental payment reporting is growing across the country and among the Nationwide Consumer Reporting Agencies (NCRAs), VantageScore found that millions of American renters could become eligible for a mortgage by incorporating on-time renta... |
| Lawmakers voice support for FHFA’s adoption of VantageScore 4.0 | Nearly two dozen members of Congress recently sent a letter to Bill Pulte, director of the Federal Housing Finance Agency (FHFA), that supports his decision to accept VantageScore 4.0 credit scores for mortgages purchased by Fannie Mae and ... |
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Warning signs may be visible in Q3 bank earnings | The preview: Earnings season for issuers begins this week, with JPMorgan, Citi, and Wells Fargo reporting results on Friday.
Here are three trends to look out for as issuers reveal what Q3 had in store.
Credit losses are climbing: Credit ca... |
