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![joecarlsonshow Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1106005810155380736.png) Joseph Carlson [@joecarlsonshow](/creator/twitter/joecarlsonshow) on x 79.1K followers
Created: 2025-07-08 17:11:09 UTC

FICO down -XX% because the FHFA director will allow lenders to use VantageScore (competitor to FICO). 

Equifax co-owns VantageScore alongside Experian and TransUnion. So if VantageScore is able to take market share from FICO, that's a positive for Equifax. This could also allow Equifax to better bundle their scores with their other data packages (if their scores become more used and better known brand). 

Overall, this is negative for FICO, positive for Equifax, deciding to what extent is the tough part.

![](https://pbs.twimg.com/media/GvWdLWTXsAAjYrL.jpg)

XXXXXX engagements

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**Related Topics**
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