Updated Credit Scores with ‘Trended Data’ on the Horizon

New Scores Would Include Payment History for Rent, Utilities, Telecom

In mid-2025 a collaborative effort between the three major credit reporting agencies — Equifax, Experian and TransUnion — resulted in a 24-month look at credit history rather than the “snapshot” that’s historically used to determine creditworthiness. Industry stakeholders now anticipate a deal between FICO and the Federal Housing Finance Agency that will allow for the same historic look at creditworthiness, but with added factors, including the consistency of rent, utility, and telecom payments.

The goal for both Vantage Score 4.0, the effort launched in July, and FICO 10T, the deal that seems to be nearing a conclusion, is to create a more competitive, transparent, and inclusive scoring system.

A more comprehensive understanding of risk could result in an increased number of loans for homebuyers, boosting home sales.

“This would be great for consumers and the safety of the mortgage market, to have both FICO 10T Score and VantageScore 4.0,” FHFA Director Bill Pulte stated in a recent social media post.

Assuming FICO T10 is approved to compete with the Vantage Score 4.0 product in the marketplace, it will take several months to implement at Freddie Mac and Fannie Mae, for instance.

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