FHFA为抵押贷款核准VantageScore 4.0, 有可能帮助数百万人获得新的信用数据。 FHFA approves VantageScore 4.0 for mortgages, potentially aiding millions with new credit data.

FHFA已批准将VantageScore 4.0用于Fannie Mae和Freddie Mac抵押贷款,结束了对信用评分模式的垄断。 The FHFA has approved the use of VantageScore 4.0 for Fannie Mae and Freddie Mac mortgages, ending a monopoly on credit scoring models. 这一变化可促成多达1万亿美元的新抵押贷款,并通过纳入租金支付等替代数据,使约500万美国人受益。 This change could enable up to $1 trillion in new mortgage loans and benefit around five million Americans by including alternative data like rent payments. 预计这一举动将增加竞争和降低成本,但可能降低FICO的市场支配地位。 The move is expected to increase competition and lower costs but may reduce FICO's market dominance.