Twenty-one large mortgage lenders are leading the first wave in using VantageScore 4.0 for Fannie Mae and Freddie Mac mortgages. This shift will benefit consumers, allowing their on-time rent and utility payments to support their credit scores.
On-time rent payments are highly predictive of a consumer’s creditworthiness and can supplement their credit report when reported to the credit bureaus. The share of consumers whose rent payments are reported to credit reporting agencies rose to 13% last year from 11% in 2024, according to a TransUnion report based on a March 2025 survey of 2,006 adults.
VantageScore 4.0 also uses trended data, which captures consumer credit behavior over time rather than a single snapshot, as outdated score models do.
Read the full CNBC article here.
