The 2026 Credit Score Change: What Actually Happened — and Why You Still Don't Get to Pick Your Score

Stephen Steakley

Published on: 13/08/2026

Fannie Mae and Freddie Mac now allow VantageScore 4.0 alongside Classic FICO — but only through a limited lender rollout, the choice belongs to the lender rather than the borrower, all three credit bureaus are still required, and FICO Score 10T is no