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Mortgage lenders now have more credit score options. What homebuyers should know

Upstract [Unofficial] May 5, 2026
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There's a shift going on with credit scores in the homebuying process that consumers may want to be aware of. Mortgage lenders are now permitted to use a credit score called VantageScore 4.0 as part of their underwriting process instead of a "classic" FICO score, which has been the only approved…

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