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FCLS Golf Classic 2026, Salute to Veterans: November 5th
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New Credit Score Models Could Help More Buyers Qualify for a Mortgage

For decades, mortgage lending has relied on a narrow set of “classic” credit scoring models—primarily older versions of FICO—to evaluate borrowers. That’s beginning to change in a meaningful way. As of April 2026, government officials announced that lenders are now permitted to use VantageScore 4.0 as part of the mortgage underwriting process. In the coming […]

Bad Credit Doesn’t Mean No Credit

There is a difference between having bad credit and having no credit. Unfortunately, they may have similar effects when it comes to applying for loans or qualifying for credit cards. While it may be easier to achieve a good credit status from no credit, the road back from bad credit will present additional obstacles. Bad […]