Equifax backs FHFA, HUD move allowing VantageScore 4.0, FICO 10T for FHA mortgages

Equifax Inc.

EFX

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Equifax backed FHFA, HUD move to allow VantageScore 4.0, FICO 10T as eligible credit scoring models for FHA-insured mortgage underwriting.
Statement highlighted immediate acceptance of VantageScore-scored loans by government-sponsored enterprises from approved lenders.
Equifax flagged potential $1 billion industry cost savings from increased credit score competition, citing lower loan acquisition costs.
Commentary pointed to broader use of alternative data such as rent, utilities, telecommunications payments to expand borrower assessment.
Equifax said VantageScore 4.0 uses up to 24 months of trended data, aiming to help lenders evaluate borrowers with thin credit files.

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