#vantagescore-40

#vantagescore-40

The MBA's concerns, which were expressed in a letter to Pulte on Dec. 12, 2025, include information from members who reported an increase in credit reporting costs for 2026. The hikes amounted to 40% to 50% on average and included dramatic price increases for the government-sponsored enterprises' mandated tri-merge credit product. The three major bureaus Equifax, Experian and TransUnion collect financial and personal data to create consumer credit files.

Paying rent is often a renter's biggest and most consistent monthly expense. It makes sense that this payment should help build their credit, said Michael Sherman, senior vice president of Zillow Rentals. By expanding rent reporting, we're helping more renters build their credit history and take control of their financial future while reinforcing Zillow's role as a trusted partner throughout their housing journey.

In a blog post published on Wednesday, the trade group said that it welcomed FHFA Director Bill Pulte's July announcement that Fannie Mae and Freddie Mac would immediately begin accepting loans that used the VantageScore 4.0 algorithm. Additionally, the USMI reassured the FHFA that its members would be ready to accept loans that used VantageScore 4.0 in accordance with the [government-sponsored enterprises] timelines and guidance.