Major changes are rolling out in 2026, making credit scores more inclusive than ever.

Key Updates:

• VantageScore 4.0 is now accepted by Fannie Mae for mortgages (alongside classic FICO). FICO 10T is coming soon.

• New models factor in rent, utilities, telecom payments, and BNPL (Buy Now, Pay Later) history — great news for thin-credit or younger borrowers.

• Medical debts (especially paid/small ones) are being removed from reports.

• Minimum score requirements for many mortgages are loosening; lenders now look at your full financial picture and long-term habits.

What Doesn’t Change:
Pay bills on time, keep credit card balances low (under 30%), and avoid too many new applications. These habits still matter most.

Bottom Line: 2026 is a great year to build or improve your credit. Responsible behavior will be rewarded more than ever.