This report was researched and written at the behest of the farm credit system insurance. after FHFA placed Fannie Mae and Freddie Mac into conservatorship and Lehman Brothers filed for bankruptcy.

Fannie, Freddie to evaluate alternative credit-scoring models. fannie Mae and freddie mac confirmed the commitments Friday. They are a victory for VantageScore Solutions, an upstart competitor to FICO that has struggled to gain a foothold in the mortgage-origination business.

There was no such animal as a credit score for mortgages backed by Fannie Mae or Freddie Mac until about 1995. Well, it’s back to the future. Good going Fannie Mae. On June 25, Fannie Mae will.

Credit scoring is a statistical method used to predict the probability that a loan ap- plicant or existing borrower will default or be- come delinquent. The method, introduced in the 1950s, is now widely used for consumer lending, especially credit cards, and is becom- ing more commonly used in mortgage lend- ing.

freddie mac puts its weight behind the use of credit scoring Scoring in the high 600s or better on each part of your Scholastic Aptitude Test (SAT) may be a good route into a top university. But if you plan to buy or refinance a home from this summer onward, you may want to rack up at least a 660 on your FICO score when you apply for a mortgage.

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Outdated credit scores – The Real Deal New York – That brings up a long-festering controversy: The two behemoths of the mortgage business – Fannie Mae and Freddie Mac – continue to use a credit scoring model that even its developer, FICO. Fannie Mae, Freddie Mac consider updated credit score models. – Fannie Mae, Freddie Mac consider updated credit score models. Competition in credit scoring, as in other markets, encourages innovation and gives lenders the power to choose the.

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