Historical Credit Score Files

Q1. What credit score data is available in the historical credit score files?

To assist market participants in the transition from Classic FICO to the new credit score models, the GSEs published data files with historical credit score information for VantageScore 4.0 in July 2024 and additional files for FICO Score 10T and updated VantageScore 4.0 on July 1, 2026. This data is based on the Average then Average loan-level score calculation methodology. The current calculation methodology is also provided (see question 12 for details on the current calculation methodology). The historical files include loans acquired by the GSEs from approximately April 2013 to September 2025 (i.e., applications/originations from approximately January 2013 to June 2025).

Q2. Why isn’t historical credit score data available prior to 2013?

Trended data 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 data to support the calculation of historical credit scores that utilize this data prior to 2013.

Q3. What credit score fields are being provided in the historical files?

Refer to the glossary and file layouts linked above to see the fields provided.

Q4. Are the historical credit score files aligned between the GSEs?

The GSEs’ historical credit score files for FICO Score 10T and VantageScore 4.0 are aligned, but the attribute names or descriptions may differ slightly. Please refer to the GSEs’ respective resources (glossary and file layouts) for details.

Q5. Why are there loans in the MBS loan-level disclosure dataset that are not included in the historical scores for MBS Disclosures file?

The historical credit scores for the MBS Disclosures Dataset only encompass loans acquired by the GSEs from approximately April 2013 through September 2025, which is a subset of acquired loans in our MBS disclosures. Additional exclusions from the historical credit scores for MBS disclosures include loans in collapsed or dissolved MBS, and Reperforming or Modified MBS.

Q6. Do the historical credit scores reflect the same time period as the Classic FICO scores representing the time of origination that is provided in the MBS, Credit Risk Transfer (CRT), and Historical Loan Performance disclosure datasets?

The historical files include loans acquired by the GSEs from approximately April 2013 to September 2025 (i.e., applications/originations from approximately January 2013 to June 2025), estimating the timing when the lender likely accessed the Classic FICO scores for origination. However, the credit scores contained in the historical credit score files are based on archived credit data that was generated at a specific time in the month the archive was created. This may be a different time than the date for which the credit report used at origination was actually generated for the loans. This difference in timing may lead to differences in credit scores between the archived credit data and the origination credit data.

Q7. Where can I access the MBS, CRT, and Historical Loan Performance disclosure datasets?

The MBS loan-level disclosures can be found in PoolTalk under the Resources > Data Collection section, which is free to access, though registration is required.

A Classic FICO historical file is available based on the current methodology for all active and inactive loans that are included in the historical file for MBS. This file can be found in the Miscellaneous folder in the data collection location on PoolTalk. The file format for the Classic FICO historical file can be found in the PoolTalk Learning Center.

CRT and Historical Loan Performance data is available in Data Dynamics. Data Dynamics is free to access, though registration is required. There is no additional Classic FICO historical file for CRT and Single-Family Loan Level Dataset given that both datasets contain active and inactive loans.

Q8. Why do the historical files for CRT and the Historical Loan Performance data provide loan representative credit scores when the corresponding datasets provide borrower and co-borrower representative credit score?

Under the current methodology, one of the borrowers’ representative credit scores at origination is equivalent to the loan representative credit score at origination. This allows for consistency between publicly provided datasets that include either the borrower or loan representative credit scores.

With the introduction of the new credit scores, Fannie Mae intends to disclose the loan representative credit score at origination for the CRT and Historical Loan Performance datasets to maintain consistency between our publicly provided datasets.

Please note that this change does not apply to Freddie Mac as the MBS, CRT and Historical Loan Performance data already discloses a loan-level Indicator credit score.

Q9. What are the limitations for using the Classic FICO credit scores in the CRT disclosure dataset?

Please review the Terms and Conditions of use for CRT disclosure dataset and note that the terms are different for the Credit Score at Origination versus the Credit Score at Issuance and Credit Score Current fields.

Q10. Why does the most recently published MBS Loan Level Disclosure Dataset not include all the loans published in the MBS historical credit score file?

The most recently published MBS Loan Level Disclosure dataset only contains active loans; inactive loans are removed from the dataset at the time of the liquidation of the loan. To assist with stakeholders’ analysis, Fannie Mae and Freddie Mac published a Classic FICO historical file that provides the disclosed credit score value for all active and inactive MBS loans that are included in the VantageScore 4.0 Historical Scores for MBS Disclosures file. This file can be found in PoolTalk under the Resources > Data Collection section.

Q11. Can I use Excel to view the historical credit score files?

The historical credit score files contain millions of loans and are meant to be used in a data analysis tool; the files are too large to be opened in a spreadsheet tool such as Excel. The loan count and file sizes for Fannie Mae are: