FICO® Score 10 and FICO® Score 10 T Model Assessment
FICO’s new credit scoring models could help more consumers qualify for mortgages.

White Paper
Access to mortgage credit can be expanded in significant ways with FICO® Score 10 T. This study validated how FICO’s new credit scoring models could help more consumers qualify for mortgages. The study cites how FICO’s most powerful scores ever mean prospective borrowers will receive a more accurate underwriting evaluation, leading to a wider choice of potential lenders, an improved chance of loan approval, and more appropriate terms of the loan such as interest rates, down payments, and fees. It explains how trended data will help some borrowers qualify for more favorable terms and shows how, even with the improvements offered by the newer models, Classic FICO® Score continues to offer a reliable baseline assessment of credit risk.
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