FICO Score 10T Archives | Weekly Real Estate News

FHA Sets Jan. 1 Start for VantageScore 4.0 and FICO 10T — and Lenders Have Work to Do

by John G. Stevens | Sep 11, 2026 | Mortgage Information

The agency has finally put a date on one of the biggest changes to FHA mortgage credit scoring in decades. Beginning Jan. 1, lenders will be able to use VantageScore 4.0 and FICO Score 10T alongside Classic FICO for eligible FHA loans, but the implementation rules...

FHA Sets Jan. 1 Start for VantageScore 4.0 and FICO 10T — and Lenders Have Work to Do

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