【帖子标题】：FICO’s monopoly already left in 2025 【帖子标题】：FICO的垄断地位2025年就已终结
【帖子正文】： Thursday’s tape priced a monopoly ending. Exclusivity already went in July 2025 when VantageScore got GSE approval. April cut the mortgage pull to 65 a funded loan, so that lever’s spent. What changed is a ~50-lender pilot becoming every lender. Permission isn’t displacement. The test is still VantageScore as the primary pull on more than 10% of conforming files by FY2028.
https://www.investmoat.com/research/fico-the-mandate-was-already-priced 【帖子正文】： 周四的行情已预示垄断终结。当VantageScore在2025年7月获得GSE批准时，独家经营权就已失效。四月将抵押贷款查询费降至0.99美元外加每笔放贷65美元，这个杠杆已耗尽。真正的变化在于约50家贷款机构的试点将扩展至全行业。准入并非取代。到2028财年，VantageScore仍需通过测试——在超过10%的合规档案中作为主要信用评分模型。
https://www.investmoat.com/research/fico-the-mandate-was-already-priced
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