Pulte: GSEs will allow lenders to use VantageScore 4.0 immediately; tri-merge stays

FHFA Director Pulte made an X post earlier today:

“Effective today, to increase competition to the Credit Score Ecosystem and consistent with President Trump’s landslide mandate to lower costs, Fannie and Freddie will ALLOW lenders to use Vantage 4.0 Score with no current requirement to build new infrastructure (stays Tri Merge).”

No more information is available at this moment.

“In response to FHFA announcement yesterday (on 7/9/2025) about Fannie and Freddie to now ALLOW lenders to use Vantage 4.0 score, SARMA Mortgage Lenders Services is currently working with Experian, Equifax, Trans Union, Meridianlink and the GSE to develop next steps to be able to provide Vantage Scores to those customers requesting the score. We will provide you more information regarding this process when it becomes available to us.”