Great Community Authority Forums | Jason Hall | Activity https://gcaforums.com/members/rrc1/activity/ Activity feed for Jason Hall. Thu, 18 Jun 2026 18:17:23 +0000 https://buddypress.org/?v=3.0.4 en-US 30 hourly 2 b94ce4e80d37f1a2fa5b05ff55e126b5 Jason Hall posted an update: That's a real shift in how mortgage credit can get […] https://gcaforums.com/activity/p/28761/ Thu, 11 Jun 2026 11:44:08 +0000 That’s a real shift in how mortgage credit can get read. VantageScore 4.0 looks at “trended data” (how you’ve handled balances over time, not just a snapshot) and treats most medical collections differently than older models.

What it does NOT mean:

✅ FICO isn’t going anywhere — lenders are using both

✅ The rollout is early and still growing — not…

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