You Just Got A New Credit Score (VantageScore 4.0 Explained)

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0:00 FICO’s Monopoly Ends: A New Era for Homebuyers
0:18 How VantageScore Changes Who Qualifies
0:33 Why FICO Misses Real-Life Payments
0:56 What Vantage 4.0 Counts That FICO Ignores
1:05 Trended Data: Looking Beyond a Single Score
1:21 Good News for First-Time and Limited Credit Buyers
1:48 Why VantageScores Are Usually Higher
2:04 Are Higher Scores Riskier? Vantage Responds
2:13 The Official Announcement and What It Means
2:35 How Credit Scores Are Calculated (And Why It Matters)
3:05 Competition Arrives: What Lenders and Buyers Gain
3:41 When Will You Actually See This Change?
4:00 Which Loans Will Use Vantage First?
4:21 Not Just a Score Bump: Data-Driven Decisions
5:20 $1 Trillion in New Mortgages? The Impact Forecast
5:52 No More “Credit Activity” Games
6:44 How This Helps Young and Underserved Buyers
7:12 So, When Can You Use Vantage for a Mortgage?
7:51 What You Can Do Right Now to Prepare
8:15 Tools to Track and Improve Your VantageScore
9:14 Payment Timing Strategies That Boost Your Score
9:41 See Your Potential Score—And What It’ll Take

— DISCLAIMER —
Kyle Andrew Seagraves is Licensed Loan Originator (NMLS 1701021) with NFM Lending (NMLS 2893), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.

NFM Lending
1190 Winterson Road, Suite 300,
Linthicum, MD 21090
Toll Free: +1 (888) 233-0092
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Equal Housing Lender