Key facts
- Fannie Mae and Freddie Mac have released historical credit score data.
- The released data includes FICO Score 10T.
- Expanded historical data for VantageScore 4.0 has also been released.
- Lenders can now assess newer credit scoring models against the legacy Classic FICO model.
- The release aims to improve the assessment of credit risk and borrower behavior.
Fannie Mae and Freddie Mac have jointly released historical credit score data for the FICO Score 10T model. Additionally, they have expanded the available historical data for the VantageScore 4.0 model. This release is intended to enable lenders to assess the performance of these newer credit scoring models by comparing them against the legacy Classic FICO model. The availability of this historical data is expected to provide lenders with a more comprehensive understanding of credit risk and borrower behavior, potentially influencing future lending decisions and credit assessment practices. The GSEs' action facilitates a deeper analysis of how different scoring methodologies perform over time and across various economic conditions.