VantageScore 4.0 Explained: Mortgage Use and Score Factors

VantageScore 4.0 explained 2026 — comparison chart showing how the new mortgage scoring model differs from Classic FICO with trended data, rent reporting, and paid collections treatment

Home›Credit Scores›VantageScore 4.0 Credit-Scoring ModelsMortgage status checked August 28, 2026FHFA, GSE and VantageScore sources reviewed Quick answer VantageScore 4.0 is a 300–850 credit-risk score developed for use with credit-file data from Equifax, Experian and TransUnion. It uses trended credit attributes, can score some consumers with limited or inactive credit histories, and can consider rent, utility … Read more