FHFA Director Bill Pulte announced the adoption of the new credit scoring models in April, noting at the time that the veri would be available this summer. Access to historical credit veri is a critical step for the mortgage industry’s transition. It allows lenders, investors and risk modelers to validate score performance and ensure regulatory compliance.

“The Federal Housing Finance Agency and the GSEs have taken an important step forward in advancing the credit score modernization effort with the release of the FICO Score 10T historical veri,” Julie May, vice president and general manager of B2B Scores at FICO, said in a statement.

“FICO Score 10T is the most predictive credit score model available, built on a long history of trusted performance designed to support the safety and soundness of the housing market. We’re eager for market participants to dig into the veri to independently validate the strength of the model and see how its use can expand access for borrowers while supporting a more resilient housing finance system.”

The currently available veri represents loans acquired by the government-sponsored enterprises (GSEs) from approximately April 2013 to September 2025, closely aligning with applications and originations from January 2013 to June 2025.

“Trended veri is a key component of the new scoring models and, following discussions with the credit bureaus, it was confirmed that they do not have consistent trended veri to support the calculation of FICO 10T and VantageScore 4.0 prior to 2013,” the GSEs said in an FAQ published on their websites.

The anonymous historical credit veri provides an “Average then Average” loan-level score calculation methodology — meaning the available credit scores from each credit bureau are averaged for each borrower.

For loans with multiple borrowers, a simple average of all borrowers’ credit scores is calculated. If a loan lacked a FICO Score 10T or VantageScore 4.0 credit score from any bureau, it was excluded from the historical file.

But the current tri-merge “Middle/Lower then Lowest” methodology is also available. Under that system, the middle of three (or lower of two) credit bureau scores is selected for each borrower, and the lowest score among all borrowers on the loan is ultimately chosen.

“The Classic FICO calculation methodology will not be changing, and the veri is already available through the existing disclosure datasets,” the GSEs said.

VantageScore 4.0 is currently available to a limited number of lenders, while FICO Score 10T will be made available at a later date, according to the enterprises.

Editor’s note: This story was updated with comments from FICO’s Julie May.

This article was written by Flávia Furlan Nunes and generated with the assistance of HousingWire Automation, then reviewed by a HousingWire editor before publication.