VantageScore and FICO have escalated their rivalry in the mortgage space following the Federal Housing Finance Agency’s (FHFA) decision to allow Fannie Mae and Freddie Mac to purchase loans underwritten with VantageScore 4.0 as an alternative to the Classic FICO score. 

Both companies published analyses this week from their data scientists. Naturally, each claims their score more accurately reflects borrowers’ financial profiles and better predicts defaults, while casting doubt on their rival’s methodology. 

The FHFA, which has accepted Classic FICO for decades, began to allow lenders to use VantageScore 4.0 last details ⇒

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