Lenders are beginning to use VantageScore 4.0, which factors in consumer data not currently considered in the score that's been used with mortgages for decades.
source https://www.cnbc.com/2026/05/05/mortgage-lenders-now-have-more-credit-score-options-what-to-know.html
Mortgage lenders now have more credit score options. What homebuyers should know
May 05, 2026
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Mortgage lenders now have more credit score options. What homebuyers should know
Housing Market