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8 05, 2026

New Credit Score Models Could Help More Buyers Qualify for a Mortgage
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New Credit Score Models Could Help More Buyers Qualify for a Mortgage

Credit Score, Finances, First-Time Buyers, Home Loans, Improving Credit, Lifestyle, Loans, No Credit, Pre-Approval, Renting, Self Employeed

New Credit Score Models Could Help More Buyers Qualify for a Mortgage

By marketing@fcls.com|2026-05-08T19:00:51+00:00May 8th, 2026|Credit Score, Finances, First-Time Buyers, Home Loans, Improving Credit, Lifestyle, Loans, No Credit, Pre-Approval, Renting, Self Employeed|0 Comments

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 [...]

19 09, 2024

Bad Credit Doesn’t Mean No Credit

By ssheltonTN|2024-09-19T14:06:44+00:00September 19th, 2024|Bad Credit, No Credit|0 Comments

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 [...]