
VantageScore 4.0 vs. Classic FICO (and VantageScore 3.0): Complete 2026 Mortgage Underwriting Guide
Why does your free Credit Karma or Equifax VantageScore 3.0 differ from your mortgage credit score? Compare VantageScore 4.0 vs. Classic FICO (2/4/5) and VantageScore 3.0 across 24-month trended data, paid collections, thin-file rent and utility history, 14-day inquiry windows, and 2026 state HFA overlays.


























