Approved, not implemented. FICO 10T is not making mortgage approvals any harder yet, because agency underwriting still runs on the older classic score versions. Today, the scores behind a Fannie Mae, Freddie Mac, or FHA decision are Equifax Beacon 5.0, Experian's Fair Isaac Risk Model V2, and TransUnion's FICO Risk Score Classic 04. FICO 10 and 10T exist, and the industry is also expected to allow VantageScore as an alternative, but government-linked systems move slowly. The transition sits on the FHFA's roadmap, and part of the goal is fairness: the older models are understood to under-score millions of Americans, with a disproportionate effect on borrowers of color, and the newer models are meant to close some of that gap. There is no firm implementation date, and the rollout across Fannie, Freddie, and the credit systems that feed them takes real time, so expect a long lead-up rather than an overnight switch. The practical takeaway matters more than any model version. The fundamentals that lift your score move it across essentially every version: - Pay every account on time - Keep credit card utilization low - Keep your overall debt load in check Do those and you are ready no matter which scoring model is live when you apply. If you want to know exactly where your profile stands before you shop, that is one of the things we walk through on the free Roadmap conversation.