FICO 10T Credit Scoring Model & How To Fix Your FICO Score

from The Credit Pros Podcast · host The Credit Pros

FICO 10T is a credit scoring model using trended data to predict borrower behavior over 24 months for improved credit risk assessment. It was adopted by FHFA for Fannie Mae and Freddie Mac in 2022. FICO 10T's key benefits include accuracy and a 5% increase in mortgage approval chances. VantageScore 4.0 is a similar model that uses machine learning for scoring. FICO 8 remains the most widely used model. Implementing FICO 10T lets lenders better analyze credit risk using trended data. TheCreditPros offers professional credit repair services.

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This episode was published on July 25, 2025.

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