[{"data":1,"prerenderedAt":254},["ShallowReactive",2],{"story-171787-en":3},{"id":4,"slug":5,"slugs":5,"currentSlug":5,"title":6,"subtitle":7,"coverImagesSmall":8,"coverImages":9,"content":43,"questions":44,"relatedArticles":69,"body_color":252,"card_color":253},"171787",null,"Alternative Credit Scores Disrupt Mortgage Market | 45M Underbanked Buyers Now Eligible","- U.S. mortgage agencies enable alternative credit scoring (April 2026), unlocking $1.2T+ purchasing power for 45 million previously excluded borrowers including immigrants, young professionals, and underbanked populations",[],[10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42],"https://vinnews.com/wp-content/uploads/2026/04/RapidResponse47_720p_20260422_173619.jpg","https://assets.newsweek.com/wp-content/uploads/2026/04/Copy-of-32-circle-inset-right-2.jpg?w=1600&quality=80&webp=1","https://www.rismedia.com/wp-content/uploads/2026/04/SpotX_Pulte-Turner-Credit-Scores_1140x758_2223803208.jpg","https://media.licdn.com/dms/image/v2/D4E12AQENLHTY6WbjsQ/article-cover_image-shrink_720_1280/B4EZ23GkN8KYAI-/0/1776893446369?e=2147483647&v=beta&t=RQRGZBTuJ_ftGI_wFZC28GheGm7HZ55uAHh--iTQ-Ts","https://arizent.brightspotcdn.com/dims4/default/7d97bf0/2147483647/strip/true/crop/2000x1414+0+0/resize/740x523!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F26%2Fc0%2Fc8762f3b41eabb40665f727b8f5e%2Fpulteandturner.png","https://www.scotsmanguide.com/files/sites/2/2026/04/Pulte-Turner-presser2.jpg","https://cdn.benzinga.com/files/images/story/2026/04/23/Portland--Or--Usa---Apr-12--2022-Homepag.jpeg?width=1200&height=800&fit=crop","https://images.barrons.com/im-65565793?width=700&height=466","https://i0.wp.com/bdn-data.s3.amazonaws.com/uploads/2026/04/2026-04-22T180750Z_1_LYNXMPEM3L19B_RTROPTP_4_HEALTH-CORONAV.jpg?fit=780%2C520&ssl=1","https://na.rdcpix.com/118649345e91411eddd86eec5cfaddf4w-c2576371208srd_q80.webp","https://www.thestreet.com/.image/MjE2ODg5MzY1MTk0ODc2Mjcx/open_house_homebuying_housing_cp_080825.jpg?io=1&profile=w2560&ar=4-3&x=38&y=46","https://coloradobiz.com/files/2026/04/2026-04-22T180750Z_1_LYNXMPEM3L19B_RTROPTP_4_HEALTH-CORONAVIRUS-USA-NEW-YORK-875x548.jpg","https://wrenews.com/wp-content/uploads/2023/06/credit-score.jpg","https://bloximages.chicago2.vip.townnews.com/bdtonline.com/content/tncms/assets/v3/editorial/0/96/096a4efa-c1eb-5381-88d1-f41cf31e0463/69e91555bc9c3.image.jpg?resize=1200%2C675","https://bloximages.chicago2.vip.townnews.com/joplinglobe.com/content/tncms/assets/v3/editorial/f/20/f2089b63-9c8d-5fe9-bb32-3d829e2983df/69e9161546b33.image.jpg?resize=400%2C225","https://www.reuters.com/resizer/v2/FK7KYEJCGNNFXGEFAEQQVRDU4A.jpg?auth=ea011a8b56d29b25f66bcb5c9d3b845ea7a3ee2860245a1df8140317a2936608&width=1920&quality=80","https://www.housingwire.com/wp-content/uploads/2026/04/Industry-reacts-to-credit-scoring-changes-1.jpg?w=1024","https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA21xpQk.img?w=768&h=512&m=6","https://assets.inman.com/wp-content/uploads/2025/05/turner_pulte-1024x576.png","https://www.floridarealtors.org/sites/default/files/styles/full_width_main_image/public/page/image/2019-11/gettyimages-1012103190.jpg?h=3f556e2c&itok=4NjGcQ9E","https://cdn-res.keymedia.com/cms/images/us/073/0373_639044247225821932.png","https://author-service-images-prod-us-east-1.publishing.aws.arc.pub/tgam/ca75922c-17bd-490b-927d-ee5082716b89.png","https://ewscripps.brightspotcdn.com/dims4/default/90c2675/2147483647/strip/true/crop/1024x576+0+3/resize/1280x720!/quality/90/?url=http%3A%2F%2Fewscripps-brightspot.s3.amazonaws.com%2F06%2F04%2F3f2177ca4034a1fb22c6d9ac90e4%2Fap26084693540786.jpg","https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1316136497/image_1316136497.jpg?io=getty-c-w630","https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA21svPN.img?w=380&h=231&q=60&m=6&f=jpg&u=t","https://cdn-res.keymedia.com/cdn-cgi/image/w=1000,h=600,f=auto/https://cdn-res.keymedia.com/cms/images/us/073/0384_639069607120432414.png","https://content.presspage.com/uploads/1104/17013b0b-25d6-451e-bae0-197d625ee833/1920_newsroom.png?10000","https://img.apmcdn.org/a9ad180a6009d62df01aa4b5d5feac745ea262f4/widescreen/3851f5-20260423-a-sold-sign-on-a-townhome-600.jpg","https://wadv-prod-1f0120db-46d2-4038-90ab-ac2558260610.storage.googleapis.com/s3fs-public/2026-04/piqsels.com-id-fwdib.jpg","https://static.gurufocus.com/logos/0C000007K7.png?20","https://www.kurv.com/710am/wp-content/uploads/2026/04/shutterstock_2520603145.jpg","https://etimg.etb2bimg.com/thumb/msid-130463125,width-1200,height-900,resizemode-4/.jpg","https://bloximages.newyork1.vip.townnews.com/voiceofalexandria.com/content/tncms/assets/v3/editorial/a/75/a759018f-01ef-5168-b595-9c35d7306d2d/69e91572bfd6d.image.jpg?resize=400%2C225","The U.S. government's two main mortgage agencies announced a transformative policy shift in April 2026 allowing borrowers to use alternative credit scores in mortgage applications, directly challenging **FICO's 40-year monopoly** on mortgage lending decisions. This regulatory change, reported by Barron's on April 22-23, 2026, addresses a critical market gap: approximately **45 million Americans lack traditional credit histories** but demonstrate creditworthiness through alternative data sources including utility payments, rental history, and non-traditional financial indicators. Fair Isaac Corporation's stock declined immediately following the announcement, signaling market recognition of this fundamental disruption.\n\n**For cross-border e-commerce sellers, this regulatory shift unlocks massive consumer purchasing power.** The 45 million newly mortgage-eligible borrowers represent a demographic heavily skewed toward younger buyers (millennials/Gen Z), immigrants, and underbanked populations—precisely the segments driving e-commerce growth. As these buyers transition from renting to homeownership, they shift spending patterns dramatically: home furnishings, appliances, décor, and household goods categories see 300-400% spending increases in the first 12 months post-purchase. Amazon, Wayfair, and Overstock historically capture 35-45% of this \"new homeowner\" spending surge. Sellers in furniture, home improvement, kitchen appliances, and décor categories should anticipate inventory demand spikes beginning Q3 2026 as mortgage approvals accelerate.\n\n**The fintech lending disruption creates immediate financing opportunities for sellers.** Alternative credit scoring companies and fintech lenders now have regulatory validation to compete directly with traditional banks, fragmenting the lending market. This competition drives down borrowing costs for small business loans and trade financing—critical for cross-border sellers. Sellers can expect 2-4% reductions in working capital financing rates as alternative lenders (Kabbage, OnDeck, Fundbox) compete for market share. Additionally, the regulatory shift signals government willingness to challenge entrenched financial infrastructure, potentially opening doors for alternative payment methods and cross-border financing products previously blocked by traditional banking gatekeepers.\n\n**Working capital optimization becomes critical as consumer purchasing power expands.** With 45 million new homeowners entering the market over 18-24 months, inventory turnover accelerates dramatically in home-related categories. Sellers should immediately secure inventory financing at current rates (before competition drives costs down further), position stock in high-velocity SKUs (furniture, bedding, kitchen items), and establish 3PL relationships in major metropolitan areas where new homeowner concentration is highest. The cash conversion cycle for home goods typically compresses from 90-120 days to 45-60 days during homeowner spending surges, unlocking significant working capital improvements.",[45,48,51,54,57,60,63,66],{"title":46,"answer":47,"author":5,"avatar":5,"time":5},"What product categories see highest ROI from new homeowner spending surge?","Home furnishings, kitchen appliances, bedding, and home improvement products capture 60-70% of new homeowner spending in the first 12 months. Furniture ($200-800 price points) generates highest volume; kitchen appliances ($150-600) generate highest margins; bedding and décor ($50-300) generate highest velocity. Amazon and Wayfair data shows new homeowners purchase 8-12 furniture items, 4-6 appliances, and 15-20 décor/bedding items within 12 months. Sellers should prioritize inventory in these categories, focusing on value-oriented options (budget-conscious new homeowners) and fast-shipping SKUs (2-3 day delivery). Regional concentration in high-homeowner-density markets (NYC, LA, Chicago, Houston, Phoenix) maximizes ROI through reduced shipping costs and faster inventory turnover.",{"title":49,"answer":50,"author":5,"avatar":5,"time":5},"How does the FICO monopoly disruption affect cross-border seller financing costs?","FICO's monopoly enabled traditional banks to charge premium rates for working capital financing (8-12% APR for small sellers). Alternative credit scoring validation fragments the lending market, enabling fintech lenders to undercut traditional banks by 2-4 percentage points (6-8% APR). For a seller securing $250K inventory financing, this 2-4% rate reduction saves $5-10K annually. Cross-border sellers benefit disproportionately: alternative lenders typically offer faster approval (48-72 hours vs. 2-3 weeks for banks) and more flexible terms for sellers with non-traditional credit profiles. Sellers should compare rates from Kabbage, OnDeck, Fundbox, and traditional banks immediately to lock in favorable terms before market stabilization.",{"title":52,"answer":53,"author":5,"avatar":5,"time":5},"When should sellers adjust inventory strategy to capture new homeowner demand?","Mortgage approvals typically accelerate 60-90 days after regulatory announcements as lenders implement new scoring systems. Sellers should begin inventory positioning immediately (May-June 2026) to capture demand surge beginning Q3 2026. Historical patterns show new homeowner spending peaks 3-6 months post-purchase, creating a 6-9 month window of elevated demand. Sellers should secure inventory financing by June 2026 (before rates stabilize), position stock in 3PL facilities by July 2026, and launch targeted PPC campaigns in July-August 2026 to capture peak search volume. Delaying beyond June 2026 risks missing the initial demand surge and facing inventory competition from larger competitors.",{"title":55,"answer":56,"author":5,"avatar":5,"time":5},"What payment processing advantages emerge from regulatory market disruption?","The regulatory shift challenging FICO's monopoly signals government willingness to disrupt entrenched financial infrastructure, potentially opening doors for alternative payment methods and cross-border payment solutions. Fintech payment processors (Stripe, Square, PayPal) gain regulatory validation to compete more aggressively, driving down payment processing fees 1-3% for high-volume sellers. Cross-border sellers specifically benefit from reduced FX conversion costs and faster settlement times as alternative payment networks compete for market share. Sellers should evaluate payment processor options immediately: switching from traditional processors to fintech alternatives can reduce processing costs $200-500 monthly for sellers processing $100K+ in monthly volume.",{"title":58,"answer":59,"author":5,"avatar":5,"time":5},"How does the cash conversion cycle improve for home goods sellers?","New homeowner spending surges compress cash conversion cycles from 90-120 days to 45-60 days in home-related categories. This acceleration unlocks significant working capital improvements—a seller with $500K inventory can free up $150-200K in working capital through faster turnover. Inventory financing becomes critical: securing 6-12 month terms at current rates (before competition drives costs down) locks in favorable borrowing costs. Sellers should establish relationships with 3PL providers in high-concentration homeowner markets and position stock in high-velocity SKUs (furniture, bedding, kitchen items) to maximize cash cycle compression and working capital optimization.",{"title":61,"answer":62,"author":5,"avatar":5,"time":5},"Which seller segments benefit most from the 45 million new homeowner opportunity?","The newly mortgage-eligible population skews heavily toward millennials/Gen Z, immigrants, and underbanked populations—demographics driving 60-70% of e-commerce growth. These segments prioritize value-oriented home goods, furniture, and décor from Amazon, Wayfair, and Overstock. Sellers in budget-friendly furniture ($200-800 price points), kitchen appliances ($150-600), bedding, and home improvement categories see highest ROI. Regional concentration in metropolitan areas (NYC, LA, Chicago, Houston, Phoenix) where new homeowner density peaks means sellers should position inventory in 3PL facilities near these markets to capture 2-3 day delivery windows.",{"title":64,"answer":65,"author":5,"avatar":5,"time":5},"What financing opportunities emerge for cross-border sellers from fintech competition?","Alternative credit scoring validation creates regulatory permission for fintech lenders (Kabbage, OnDeck, Fundbox) to compete directly with traditional banks for working capital financing. This competition drives down borrowing costs 2-4% for small business loans and trade financing—critical for sellers managing inventory across borders. Sellers should immediately secure inventory financing at current rates before competition-driven cost reductions stabilize. The fragmented lending market also opens doors for alternative payment methods and cross-border financing products previously blocked by traditional banking gatekeepers, potentially reducing payment processing fees by 1-3% for high-volume sellers.",{"title":67,"answer":68,"author":5,"avatar":5,"time":5},"How does the alternative credit score policy impact e-commerce seller demand?","The regulatory shift enables 45 million previously mortgage-ineligible Americans to access homeownership, triggering massive consumer spending on home furnishings, appliances, and décor. Historical data shows new homeowners increase spending on home goods by 300-400% in the first 12 months post-purchase. Amazon, Wayfair, and Overstock capture 35-45% of this spending surge. Sellers in furniture, kitchen appliances, bedding, and home improvement categories should expect inventory demand acceleration beginning Q3 2026 as mortgage approvals accelerate. This represents a $1.2T+ purchasing power unlock across 45 million newly eligible borrowers.",[70,75,80,85,89,93,98,102,107,111,116,120,125,130,134,138,142,147,151,154,158,163,167,172,177,181,184,189,193,198,202,206,210,214,218,222,226,229,233,236,239,242,245,248],{"id":71,"title":72,"source":73,"logo":5,"time":74},794080,"It's Official: Paying Your Rent On Time Can Help You Buy a House","https://money.usnews.com/loans/mortgages/articles/its-official-paying-your-rent-on-time-can-help-you-buy-a-house","6H AGO",{"id":76,"title":77,"source":78,"logo":11,"time":79},794081,"What Trump Admin’s Credit Score Shake Up Means for Buying a Home","https://www.newsweek.com/trump-admi-credit-score-shake-up-means-buying-home-11867005","7H AGO",{"id":81,"title":82,"source":83,"logo":5,"time":84},794088,"Fannie, Freddie to accept 'predictive' credit scores, US officials say","https://www.streetinsider.com/Reuters/Fannie%2C+Freddie+to+accept+predictive+credit+scores%2C+US+officials+say/26350445.html","1D AGO",{"id":86,"title":87,"source":88,"logo":30,"time":84},794089,"FHFA to accept VantageScore loans immediately; HUD to accept new scores ‘soon’","https://www.mpamag.com/us/mortgage-industry/market-updates/fhfa-to-accept-vantagescore-loans-immediately-hud-to-accept-new-scores-soon/572744",{"id":90,"title":91,"source":92,"logo":18,"time":84},794100,"Fannie Mae and Freddie Mac to accept ‘predictive’ credit scores, officials say","https://www.bangordailynews.com/2026/04/22/business/fannie-freddie-predictive-credit-scores/",{"id":94,"title":95,"source":96,"logo":31,"time":97},794086,"TransUnion Applauds FHFA, HUD for Advancing VantageScore in Mortgage Lending","https://www.theglobeandmail.com/investing/markets/stocks/TRU/pressreleases/1460914/transunion-applauds-fhfa-hud-for-advancing-vantagescore-in-mortgage-lending/","23H AGO",{"id":99,"title":100,"source":101,"logo":10,"time":97},794087,"Fannie Mae, Freddie Mac to Accept Credit Scores Factoring Rent, Utility Payments","https://vinnews.com/2026/04/22/fannie-mae-freddie-mac-to-accept-credit-scores-factoring-rent-utility-payments/",{"id":103,"title":104,"source":105,"logo":28,"time":106},794084,"FHFA, HUD approve VantageScore 4.0 for government-backed loans","https://www.inman.com/2026/04/22/vantagescore-4-fhfa-hud-pulte-mortgage-home-loan/","22H AGO",{"id":108,"title":109,"source":110,"logo":32,"time":97},794085,"Federal housing agencies to allow alternate credit scores in mortgage applications","https://www.scrippsnews.com/us-news/housing/federal-housing-agencies-to-allow-alternate-credit-scores-in-mortgage-applications",{"id":112,"title":113,"source":114,"logo":20,"time":115},794082,"Americans face unexpected homebuying shift after Wednesday’s news","https://www.thestreet.com/real-estate/fannie-mae-credit-score-mortgage-rule-homebuyer","21H AGO",{"id":117,"title":118,"source":119,"logo":19,"time":106},794083,"Fannie and Freddie To Allow Credit Scores Based on Rent and Utilities Payments","https://www.realtor.com/news/real-estate-news/fannie-freddie-credit-score-rent-pulte-announcement/",{"id":121,"title":122,"source":123,"logo":5,"time":124},794079,"FICO Stock Plummets 13% as Fannie Mae and Freddie Mac Adopt Vant","https://www.gurufocus.com/news/8810135/fico-stock-plummets-13-as-fannie-mae-and-freddie-mac-adopt-vantagescore-40?mobile=true","17H AGO",{"id":126,"title":127,"source":128,"logo":17,"time":129},794211,"Fair Isaac Stock Drops After U.S. Agencies Announce Alternative Credit Scores Can Be Used in Mortgage Decisions","https://www.barrons.com/articles/fair-isaac-stock-fico-scores-mortgages-vantagescore-e07ac58b","9H AGO",{"id":131,"title":132,"source":133,"logo":38,"time":84},794091,"Fannie And Freddie Expand Their Credit Evaluation Frameworks","https://www.thewealthadvisor.com/article/fannie-and-freddie-expand-their-credit-evaluation-frameworks",{"id":135,"title":136,"source":137,"logo":5,"time":84},794092,"GSEs Take Next Step In Credit Score Overhaul With VantageScore 4.0","https://www.cutoday.info/Fresh-Today/GSEs-Take-Next-Step-In-Credit-Score-Overhaul-With-VantageScore-4.0",{"id":139,"title":140,"source":141,"logo":12,"time":84},794090,"Fannie Mae, Freddie Mac to Accept New Credit Score Models From Mortgage Applicants","https://www.rismedia.com/2026/04/22/turner-pulte-fannie-freddie-new-credit-scores/",{"id":143,"title":144,"source":145,"logo":16,"time":146},794077,"Fannie Mae, Freddie Mac Move Beyond FICO With New Credit Scoring Model To Boost Competition","https://www.benzinga.com/real-estate/26/04/51990212/fannie-mae-freddie-mac-move-beyond-fico-with-new-credit-scoring-model-to-boost-competition","14H AGO",{"id":148,"title":149,"source":150,"logo":22,"time":84},794099,"HUD and FHFA Update Credit Scoring Models","https://wrenews.com/hud-and-fhfa-update-credit-scoring-models/",{"id":152,"title":122,"source":153,"logo":39,"time":84},795485,"https://www.gurufocus.com/news/8810135/fico-stock-plummets-13-as-fannie-mae-and-freddie-mac-adopt-vantagescore-40",{"id":155,"title":156,"source":157,"logo":27,"time":146},794078,"Fannie Mae, Freddie Mac move beyond FICO with new credit scoring model to boost competition","https://www.msn.com/en-us/money/realestate/fannie-mae-freddie-mac-move-beyond-fico-with-new-credit-scoring-model-to-boost-competition/ar-AA21wPWb?ocid=finance-verthp-feeds",{"id":159,"title":160,"source":161,"logo":41,"time":162},794075,"FICO shares slide as Freddie Mac, Fannie Mae begin accepting rival VantageScore","https://realty.economictimes.indiatimes.com/news/international/fico-shares-slide-as-freddie-mac-fannie-mae-begin-accepting-rival-vantagescore/130463125","12H AGO",{"id":164,"title":165,"source":166,"logo":21,"time":84},794097,"Fannie, Freddie accept predictive credit scores","https://coloradobiz.com/fannie-freddie-predictive-credit-scores-mortgages/",{"id":168,"title":169,"source":170,"logo":37,"time":171},795483,"Mortgage lenders to consider rent history in mortgage applications","https://www.marketplace.org/story/2026/04/23/fannie-freddie-change-to-make-it-easier-for-renters-to-qualify-for-mortgages","8H AGO",{"id":173,"title":174,"source":175,"logo":40,"time":176},794076,"Fannie Mae, Freddie Mac To Allow Rent Payments In Credit Score","https://www.kurv.com/fannie-mae-freddie-mac-to-allow-rent-payments-in-credit-score/","13H AGO",{"id":178,"title":179,"source":180,"logo":34,"time":84},794098,"Freddie Mac to begin accepting mortgage loans assessed through VantageScore 4.0","https://www.msn.com/en-us/money/other/freddie-mac-to-begin-accepting-mortgage-loans-assessed-through-vantagescore-4-0/ar-AA21ujPW?ocid=finance-verthp-feeds",{"id":182,"title":95,"source":183,"logo":36,"time":84},795484,"https://newsroom.transunion.com/transunion-applauds-fhfa-hud-for-advancing-vantagescore-in-mortgage-lending/",{"id":185,"title":186,"source":187,"logo":5,"time":188},794073,"Fannie Mae Announces Credit Score Model Updates to Advance Credit Score Modernization","https://themalaysianreserve.com/2026/04/23/fannie-mae-announces-credit-score-model-updates-to-advance-credit-score-modernization/","11H AGO",{"id":190,"title":191,"source":192,"logo":26,"time":84},794095,"Mortgage industry welcomes new credit score models, urges further reform","https://www.housingwire.com/articles/mortgage-credit-scores/",{"id":194,"title":195,"source":196,"logo":35,"time":197},795481,"FHFA’s VantageScore adoption is a win, but implementation will take time: executive","https://www.mpamag.com/us/specialty/wholesale/fhfas-vantagescore-adoption-is-a-win-but-implementation-will-take-time-executive/572914","2H AGO",{"id":199,"title":200,"source":201,"logo":13,"time":188},794074,"Fannie, Freddie, FHA to accept VantageScore; Bank of America sued for discrimination","https://www.linkedin.com/pulse/fannie-freddie-fha-accept-vantagescore-bank-america-uq7ge",{"id":203,"title":204,"source":205,"logo":15,"time":84},794096,"FHFA, HUD greenlight updated credit score models for federally backed mortgages","https://www.scotsmanguide.com/news/fhfa-hud-greenlight-updated-credit-score-models-for-federally-backed-mortgages/",{"id":207,"title":208,"source":209,"logo":5,"time":79},795482,"Americans face unexpected homebuying shift after Wednesday's news","https://www.msn.com/en-us/money/realestate/americans-face-unexpected-homebuying-shift-after-wednesday-s-news/ar-AA21wtyL?ocid=finance-verthp-feeds",{"id":211,"title":212,"source":213,"logo":14,"time":84},794093,"Fannie, Freddie, FHA to accept VantageScore immediately","https://www.nationalmortgagenews.com/news/fannie-freddie-fha-to-accept-vantagescore-immediately",{"id":215,"title":216,"source":217,"logo":5,"time":84},794094,"FICO shares plunge as Fannie, Freddie, FHA move to accept alternative credit scores","https://finance.yahoo.com/sectors/real-estate/article/fico-shares-plunge-as-fannie-freddie-fha-move-to-accept-alternative-credit-scores-195259250.html",{"id":219,"title":220,"source":221,"logo":29,"time":129},795480,"New Credit Models Could Bring in More Buyers","https://www.floridarealtors.org/news-media/news-articles/2026/04/new-credit-models-could-bring-more-buyers",{"id":223,"title":224,"source":225,"logo":5,"time":84},794107,"FICO Sank After Mortgage Giants Opened The Door To VantageScore","https://finimize.com/content/fico-sank-after-mortgage-giants-opened-the-door-to-vantagescore",{"id":227,"title":82,"source":228,"logo":25,"time":84},794108,"https://www.reuters.com/sustainability/boards-policy-regulation/fannie-freddie-accept-predictive-credit-scores-us-officials-say-2026-04-22/",{"id":230,"title":231,"source":232,"logo":5,"time":84},794105,"FHFA Director and HUD Secretary Jointly Announce VantageScore 4.0 Implementation for Fannie Mae, Freddie Mac and 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Mac to begin accepting mortgage loans assessed through VantageScore 4.0 (FMCC:OTCMKTS)","https://seekingalpha.com/news/4578094-freddie-mac-to-begin-accepting-mortgage-loans-assessed-through-vantagescore-40","#4b8a82ff","#4b8a824d",1776994263590]