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GSEs resisted VantageScore 4.0, supported bi-merge option

Summary by HousingWire
Fannie Mae and Freddie Mac did not recommend approval of the VantageScore 4.0 credit model and supported a bi-merge reporting option, rather than the single-file option that’s been the subject of recent debate. This is according to conclusions reached by the Housing Policy Council (HPC) after it reviewed 316 pages of documents released by the Federal Housing Finance Agency (FHFA). The HPC obtained the records through a Freedom of Information Act…
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HousingWire broke the news in on Tuesday, February 3, 2026.
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