Fannie Mae Announces Updates as Part of Credit Score Models and Reports Initiative

Fannie Mae today announced upcoming updates to its Selling Guide to allow for the current use of VantageScore® 4.0, effective immediately, and the future use of FICO® Score 10T credit scores for loans delivered to Fannie Mae, marking another important milestone in the ongoing credit score modernization initiative led by U.S. Federal Housing (FHFA).

Additionally, the publication of historical credit score data for both models is scheduled for this summer. We will publish historical credit score data for loans acquired between April 2013 and September 2025 for FICO Score 10T, as well as additional data for VantageScore 4.0 between April 2023 and September 2025.

Fannie Mae is initially implementing these changes through a limited rollout to approved lenders to help ensure operational readiness before broader availability as the market moves forward with full implementation of modernized credit scoring and credit reporting.

For more information, please refer to Fannie Mae’s Credit Score Models and Reports Initiative webpage.

For questions, please contact the Fannie Mae Investor Help Line at 1-800-232-6643, Option 3 or by e-mail.