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																		<p style="margin: 0; text-align: center; mso-line-height-alt: 14.399999999999999px;"><span style="word-break: break-word; font-size: 18px; color: #324b64;"><strong><span style="word-break: break-word;">How FICO® Has Improved Its Scoring Model</span></strong></span></p>
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																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #000000;"><span style="word-break: break-word;">Hi </span>{!Contact.FirstName},</span></p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">I wanted to share a little follow-up on how the credit scoring system is being modernized. While there’s been much talk about VantageScore® to be accepted by Fannie Mae and Freddie Mac for mortgage applications, it should be noted that both VantageScore 4.0 and FICO Score 10T were both validated and approved by the Federal Housing Finance Agency (FHFA) back in October 2022.<br><br>VantageScore is the brainchild of the three big credit bureaus (Equifax, Experian and TransUnion), formed as a joint venture in 2006. FICO scores, on the other hand, have been the staple for mortgage industry lending for nearly three decades.</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;"><br><span style="word-break: break-word; color: #324b64;"><strong>What’s New in FICO 10T?</strong></span><br>The “T” in FICO 10T stands for trended data. This illustrates credit performance over the last 24 months or longer – instead of the latest snapshot – to predict credit behavior in the future.<br><br>For the average consumer, this provides a more nuanced view of credit risk and potentially better loan terms. For example, if this longer-term credit history shows that you tend to pay down balances and pay your bills on time, it indicates greater stability in managing debt.<br><br>Also, the FICO 10T report takes on-time rent payments into consideration for creditworthiness, if that housing expense is reported to the credit bureaus by your property management or a third-party service.<br><br>If you have any questions about credit scoring as it relates to buying a home or refinancing, please give me a call. My team and I specialize in giving priority service to meet your specific needs!<br><br>Best regards,</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
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