Credit & Decision Making Software "UBS Credit Landscape Symposium: Vanta..."

Research evidence excerpt

Credit & Decision Making Software "UBS Credit Landscape Symposium: Vanta..."

Global Research

9 June 2026ab

Credit & Decision Making Software Equities

AmericasUBS Credit Landscape Symposium:

VantageScore Takeaways Software

Kevin McVeigh

Analyst

kevin.mcveigh@ubs.com

Presenter: +1-212-882 0081

Anthony Hutchinson - Head of Public Affairs at VantageScore Bruna Werneck

Associate Analyst

Takeaways: bruna.werneck@ubs.com

Scope—VantageScore is responsible for developing the algorithm and outreach to +1-212-882 5955

the market, while the joint venture's stakeholders—Equifax, Experian, TransUnion

Olivia Bradlee

—are responsible for pricing and distributing the score. Associate Analyst

olivia.bradlee@ubs.com Usage—over 3,700 financial institutions—including top 10 banks—use

+1-212-713 1227

VantageScore credit score or digital tools.

Mortgage lender adoption—following the recent announcement that Fannie

Mae and Freddie Mac are allowing VantageScore 4.0 use—essentially putting an

end to months of uncertainty following a July-25 announcement by FHFA Director

Bill Pulte—changes have been implemented in phases with approved lenders to

ensure operational readiness until the market moves to broader availability. While

the number of lenders currently engaged in the pilot process is unknown, there

have been no bottlenecks beyond onboarding lenders to test it.

VantageScore 5.0—is being brought in with a couple of select lenders with more

information expected as stakeholders ramp up distribution.

Data attributes—relationships with the credit bureaus provide access to rental,

utility and telecommunications payment data allowing score of additional 30m+

people.

Auto + credit—many lenders currently pull both available credit scores. The