![\"Credit](\"https:\/\/www.del-one.org\/wp-content\/uploads\/credit-score-300x188.jpg\" "\\"Credit")
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If you have been hearing that\u00a0<\/span>credit scores are changing,<\/span><\/a>\u00a0you are not imagining it. 2026 is shaping up to be a transition year for how lenders evaluate borrowers, especially for mortgages. Fortunately, most of the habits that help your credit stay healthy are not changing.\u00a0<\/span>\u00a0<\/span><\/p>\n <\/p>\n Mortgage lenders can now use newer models, like\u00a0<\/span>VantageScore\u00a04.0<\/span><\/a>, which consider\u00a0additional\u00a0information \u2013 such as rent, utilities, or telecom payments.<\/span>\u00a0<\/span><\/p>\n This can help more people, especially those with limited or \u201cthin\u201d credit histories, have a score on record. It does not guarantee loan approval; however, it gives lenders a fuller picture when evaluating applications, and it highlights how credit scoring is evolving to include a wider range of financial behaviors.<\/span>\u00a0<\/span><\/p>\n Lenders are also adopting the new <\/span>FICO 10<\/strong> scoring model releasing in summer 2026<\/span>, which looks beyond a single snapshot to your credit patterns over the past two years. This means consistent habits matter more than short-term fixes.<\/span>\u00a0<\/span><\/p>\n <\/p>\n Credit score is evolving in ways that could impact how you borrow and manage debt. Here\u2019s what else is on the horizon:<\/span>\u00a0<\/span><\/p>\n Buy Now, Pay Later (BNPL) Reporting<\/span><\/b> Medical Debt Is Fading Out<\/span><\/b> Stronger Consumer Protections<\/span><\/b> What\u2019s Staying the Same<\/span><\/b>\u00a0<\/span><\/p>\n The fundamentals of credit health are not changing. No matter which\u00a0<\/span>scoring model<\/span><\/a>\u00a0a lender uses:<\/span>\u00a0<\/span><\/p>\n <\/p>\n Del-One FCU offers a free Credit Score widget<\/a> right within online and mobile banking where you can check your score free daily! Stay on top of your credit, check your reports regularly to catch mistakes or fraud early, receive special offers, and more!<\/span><\/p>\n Scores vary by model, so ask your lender whether they use FICO,\u00a0VantageScore, or both. Knowing this helps you understand differences and focus on the right credit habits.<\/span>\u00a0<\/span><\/p>\n You are not able to choose the scoring model; however, you can pay on time, aim to keep utilization below 30%, and maintain older accounts. Automate minimum payments to avoid late fees and protect your score.<\/span>\u00a0<\/span><\/p>\n Credit is only part of the mortgage equation \u2013 debt-to-income, employment, and down payment\u00a0matter\u00a0too. Aim to budget and debt plan 6\u201312 months ahead to show stability and avoid surprises.<\/span>\u00a0<\/span><\/p>\n Ask your lender which score they use and what factors matter most. For broader guidance \u2013 budgeting,\u00a0<\/span>debt management<\/span><\/a>, or big financial goals \u2013\u00a0GreenPath\u00a0offers\u00a0<\/span>free financial counseling<\/span><\/a>\u00a0with NFCC- and HUD-certified experts to help you review your finances and support you in taking the next step forward.\u00a0<\/span>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Si has o\u00eddo que las puntuaciones de cr\u00e9dito est\u00e1n cambiando, no te lo est\u00e1s imaginando. 2026 se perfila como un a\u00f1o de transici\u00f3n en la forma en que los prestamistas eval\u00faan a los prestatarios, especialmente para las hipotecas. Afortunadamente, la mayor\u00eda de los h\u00e1bitos que ayudan a mantener un buen historial crediticio no van a cambiar. El gran cambio: nuevos modelos de puntuaci\u00f3n. Los prestamistas hipotecarios ahora pueden...<\/p>","protected":false},"author":17,"featured_media":20948,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"wds_primary_category":0,"footnotes":""},"categories":[19],"tags":[24,73],"class_list":["post-20915","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-post","tag-credit-score","tag-greenpath"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/posts\/20915","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/comments?post=20915"}],"version-history":[{"count":12,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/posts\/20915\/revisions"}],"predecessor-version":[{"id":21615,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/posts\/20915\/revisions\/21615"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/media\/20948"}],"wp:attachment":[{"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/media?parent=20915"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/categories?post=20915"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.del-one.org\/es\/wp-json\/wp\/v2\/tags?post=20915"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}The Big Shift: New Scoring Models\u00a0<\/span><\/b>\u00a0<\/span><\/h2>\n
Other Changes to Watch in 2026<\/span><\/b>\u00a0<\/span><\/h2>\n
\nBNPL plans<\/span><\/a>\u00a0will start showing up on credit reports. This can help build credit if you pay on time \u2013 however, missed payments could hurt your score.<\/span>\u00a0<\/span><\/p>\n
\nPaid\u00a0medical\u00a0collections and debts under $500 are disappearing from reports, reducing surprise dings for many borrowers.<\/span>\u00a0<\/span><\/p>\n
\nUpdates to the Fair Credit Reporting Act will speed up dispute timelines, require better documentation for errors, and strengthen identity theft safeguards.<\/span>\u00a0<\/span><\/p>\n\n
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How to Prepare<\/span><\/b>\u00a0<\/span><\/h2>\n
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