The Credit Score Revolution: What Changes in 2026 and Beyond

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The credit reporting system in the United States is changing fast — and if you rely on loans, mortgages, business credit, buy now pay later apps, or even rent payments, these changes could directly affect your score, your borrowing power, and your financial future.

In this video, we break down the biggest shifts happening right now at the credit reporting bureaus — Experian, Equifax, and TransUnion — and explain how new data, new scoring models, and new federal policies are transforming the traditional credit system.

What’s Changing in Credit Reporting?

For decades, the major credit bureaus controlled the data that determined your credit score. But today, that system is being disrupted by:

Buy Now, Pay Later reporting
Rent reporting
Alternative data and subscription payments
New automated credit scoring models
Real-time reporting technologies
Fannie Mae's decision to move away from traditional credit scores
The rise of VantageScore vs FICO

These changes could make credit scores more accurate, more inclusive, and more fair, but they also introduce risks for consumers who don’t understand how the new system works.

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