Are Credit Scores Permanently Changed? FICO and Vantage Score 2025

Are credit scores changing—and what does it mean for your financial future?
In this eye-opening video, we expose the truth about where credit scoring is heading, break down the history of FICO, and unpack the biggest changes hitting your credit report by 2025.

Most people don’t realize how much the system has evolved—and how much control you actually have. Whether you’re trying to repair your credit, qualify for a mortgage, or simply stay ahead of the curve, this video will show you what’s really happening behind the scenes.
0:00 - Intro: Are Credit Scores Really Changing?
1:12 - Why Credit Scores Were Created
2:34 - Subjective Lending vs. FICO Scoring
4:50 - Is the Current Credit System Better?
6:20 - Credit Bureaus & Accountability
7:55 - Credit: Privilege or Trap?
9:20 - Book That Changed My Mindset
10:00 - Are Credit Scores Changing in 2025?
11:30 - Key Credit Score Updates Coming Soon
13:45 - What is Bi-Merge Reporting?
15:10 - Alternative Credit Data Explained
16:30 - FICO vs. VantageScore Breakdown
18:00 - Is Trump Behind These Changes?
19:05 - The Bottom Line & What To Do Now

Need help fixing your credit fast? Visit Pinnacle Credit Repair
Learn how to dispute negative items: https://pinnaclecreditrepair.com/dispute-by-online-or-by-mail-2/
Book a call with our team: https://pinnaclecreditrepair.com/contact
Do you think the new credit system will help or hurt the average person?
Drop your thoughts below—I respond to every comment!

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Видео Are Credit Scores Permanently Changed? FICO and Vantage Score 2025 канала Pinnacle Credit Management