FICO Fires Back With Its Own FHA Approval, Same Day as VantageScore’s
September 13, 2026
FICO announced that FHA-approved lenders will be able to use FICO Score 10T for mortgage underwriting starting January 1, 2027, the exact same effective date VantageScore 4.0 got for its own FHA approval, announced within hours of FICO's release on the same morning. That is not a coincidence. It is two competing credit-scoring companies racing