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Mortgage finance giants Fannie Mae and Freddie Mac consider one credit score when determining the creditworthiness of mortgage applicants: FICO. Some members of Congress want to change that by adding a provision to a bank deregulation bill that would require Fannie and Freddie to also look at applicants’ VantageScore. The company that calculates VantageScores is owned by the big three credit reporting firms: Equifax, TransUnion and Experian. We look at the reason for the proposed change, and its implications.
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