VantageScore 4.0 Credit Model Updates

On July 8, 2025, U.S. Federal Housing (FHFA) announced that lenders will be able to use the VantageScore® 4.0 credit model or Classic FICO® via the tri-merge credit report requirement. Fannie Mae and Freddie Mac (the GSEs) are working closely with FHFA on next steps and remain committed to a smooth transition for our industry partners. 

Additional implementation and timing details will be provided as soon as they are available and reflected in an updated version of the Partner Playbook.

Learn more and read FHFA's FAQs

View the Credit Score Models and Reports Initiative page

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