FICO SCORE CHANGES 2025

Big changes are coming to credit scoring in October 2025. FICO is launching new scoring models that include Buy Now, Pay Later (BNPL) loans, meaning on-time payments can help your score while missed ones could hurt. At the same time, the Federal Housing Finance Agency (FHFA) is transitioning Fannie Mae and Freddie Mac away from Classic FICO to FICO 10T and VantageScore 4.0, giving mortgage lenders a more modern look at your credit. They’re also moving from tri-merge to bi-merge credit reports, which makes it critical that at least two bureaus show accurate, positive data. In this video, I’ll break down what these changes mean and how to prepare to protect your credit. Don’t let October 2025 catch you off guard. Subscribe and share this update.

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Видео FICO SCORE CHANGES 2025 канала The Credit Repair Shop