Trump’s 4 MASSIVE Credit Score Changes Jan 1, 2026 | Everyone Will Be Impacted

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Starting January 1, 2026, the U.S. credit system is undergoing its biggest transformation in decades. In this video, we break down Trump’s four massive credit score changes that will impact mortgages, loan approvals, interest rates, and the dominance of FICO and the credit bureaus.
These changes include the elimination of the 620 credit score requirement, the rise of AI-powered underwriting, the breakup between FICO and the credit bureaus, and the introduction of multiple scoring models like FICO 10T and VantageScore 4.0.
Whether you have bad credit, good credit, or no credit history at all, these changes will affect how banks judge you in 2026 and beyond.

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