<p>对于数百万名在过去几年按时支付租金但缺乏传统信用评分的 “隐形” 美国人来说，美国梦的大门刚刚打开——但一位专家警告说，不要在门槛上绊倒。</p>
<p>在美国住房和城市发展部（HUD）和联邦住房金融局（FHFA）宣布接受 VantageScore 4.0 和 FICO Score 10T 之后，抵押贷款行业正准备迎接新申请者的激增。信用修复领域的领先影响者 Micah Smith 表示，虽然将租金和公用事业纳入考量是一个重要的转变，但借款人必须警惕 “美国排水”。</p>
<p>“在系统中隐形的人——没有信用卡，没有贷款，没有评分——现在可能会以一个真实的数字出现，” Smith 在接受 Fox News Digital 采访时表示，同时警告说，新模型比许多人意识到的要严格。“人们说拥有一个家是美国梦。我称之为美国排水，当你没有正确处理时。”</p>
<p>接受 VantageScore 4.0 代表着三十多年来抵押贷款信用要求的首次重大变化，这源于 2018 年由唐纳德·特朗普总统在其第一任期内签署的《信用评分竞争法》。</p>
<p><strong>当你对信用卡收费提出异议时会发生什么</strong></p>
<p>在上周的公告之后，Smith 表示她的许多客户 “在好与坏之间感到惊慌”。</p>
<p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2026/04/931/523/us-home-for-sale-sign-mortgage.jpg/query-dGw9MSZ2ZT0x?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="931" height="523" original-src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2026/04/931/523/us-home-for-sale-sign-mortgage.jpg/query-dGw9MSZ2ZT0x"/></p>
<p>美国的抵押贷款信用要求在 30 年来首次发生变化。（Getty Images）</p>
<p>“媒体所传播的叙述让人们感到困惑。这只是人们对即将发生的事情及其原因缺乏理解，” 她说。“现在正在落实的一切都是为了帮助更多人拥有住房，并更新一个已经超过 30 年没有更新的系统。FICO 自 1989 年以来一直存在。”</p>
<p>“《信用评分竞争法》……启动了一些重要的事情。看看这花了多长时间。现在是 2026 年，终于开始实施了，” Smith 补充道。“这从来不是要摧毁 FICO。这是为了确保 FICO 不会垄断信用评分市场。这是为了更新一个过时的系统。”</p>
<p>FHFA 主任 Bill Pulte 强调的一个关键好处是能够考虑租金支付，旨在帮助那些可能没有传统信用卡债务但有完美账单支付历史的信用良好的美国人。</p>
<p>“租金和公用事业现在算数——当被报告时，” Smith 说。“如果你的客户的房东向信用局报告，那么这些按时支付的年份现在会影响评分……但这里有一个没人谈论的反面：如果你的租金被报告，逾期付款也可能会对你造成伤害。报告是双向的。不要让客户认为这全是好处。”</p>
<p>Smith 还警告说，大额学生贷款、汽车贷款或个人贷款仍然可能拖累你的信用评分和抵押贷款资格，尽管有了新的评分模型。</p>
<p>“这个余额问题是真实的……在这个模型下，高余额意味着高评分压力。这是人们需要听到的细微差别，” 她说。</p>
<p>虽然借款人无法选择贷款方使用哪个评分模型，Smith 预测银行 “可能” 会倾向于使用 VantageScore 4.0，因为 FICO 通常每次信用报告拉取收费 9.99 美元，而 VantageScore 只需 99 美分。</p>
<p>“对我来说，这开始看起来像是一场向下竞争，” Smith 说，“VantageScore 可能最终会垄断它声称要开放的市场。贷款整体是一个数万亿美元的行业，人们的债务比以往任何时候都多。我的担忧是：让更多人获得抵押贷款，而他们之前并不理解信用，这意味着他们可能仍然以相当低的信用评分进入。”</p>
<p>然而，这并没有引发 Smith 对经济衰退的担忧。</p>
<p>“我不认为会重演 2008 年、2009 年。银行现在有了风险。那时，贷款人将坏贷款出售给二级市场没有真正的后果。现在有了这样的保护措施。我们不会看到那种意义上的崩溃，” Smith 说。</p>
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<p>“但我担心的是：更多人不必要地陷入债务，因为他们仍然不理解信用系统，” 她继续说道。“记住，理解利息的人会赚取利息；而不理解的人则要支付利息。”</p>
<p>“信用不是你的身份——但它是你的财务声誉。而现在，更多的目光比以往任何时候都更关注它。利用这个时刻把它做好。”</p>
<p><strong>阅读更多来自 FOX BUSINESS 的内容</strong></p>

艾可菲

FICO

益百利

<p>最近实施的特朗普时代《信用评分竞争法》允许在抵押贷款申请中使用 VantageScore 4.0 和 FICO Score 10T，这可能使数百万没有传统信用评分的美国人受益。然而，专家警告说，尽管这一变化可能为购房提供机会，但也伴随着风险，例如报告的租金支付对信用评分的影响。Micah Smith 强调了理解信用系统的重要性，以避免不必要的债务，同时指出新的评分模型可能导致更具竞争性的贷款环境</p>

<p>For millions of &#34;invisible&#34; Americans who have paid rent on time for years but lacked a traditional credit score, the door to the American Dream just swung wide open — but one expert warns not to trip on the threshold.</p>
<div class="lb-trans"><p>对于数百万名在过去几年按时支付租金但缺乏传统信用评分的 “隐形” 美国人来说，美国梦的大门刚刚打开——但一位专家警告说，不要在门槛上绊倒。</p>
</div><p>Following a landmark announcement from HUD and the FHFA to accept VantageScore 4.0 and FICO Score 10T, the mortgage industry is bracing for a surge of new applicants. Micah Smith, a leading credit repair influencer, says that while the inclusion of rent and utilities is a landmark shift, borrowers must be wary of the &#34;American drain.&#34;</p>
<div class="lb-trans"><p>在美国住房和城市发展部（HUD）和联邦住房金融局（FHFA）宣布接受 VantageScore 4.0 和 FICO Score 10T 之后，抵押贷款行业正准备迎接新申请者的激增。信用修复领域的领先影响者 Micah Smith 表示，虽然将租金和公用事业纳入考量是一个重要的转变，但借款人必须警惕 “美国排水”。</p>
</div><p>&#34;People who were invisible in the system — no cards, no loans, no score — can now potentially show up with a real number,&#34; Smith told Fox News Digital, while also cautioning that the new models are more rigorous than many realize. &#34;People say getting a home is the American Dream. I call it the American drain when you don't do it properly.&#34;</p>
<div class="lb-trans"><p>“在系统中隐形的人——没有信用卡，没有贷款，没有评分——现在可能会以一个真实的数字出现，” Smith 在接受 Fox News Digital 采访时表示，同时警告说，新模型比许多人意识到的要严格。“人们说拥有一个家是美国梦。我称之为美国排水，当你没有正确处理时。”</p>
</div><p>The acceptance of VantageScore 4.0 represents the first major change to mortgage credit requirements in over three decades, and stems from the 2018 Credit Score Competition Act signed by President Donald Trump during his first administration.</p>
<div class="lb-trans"><p>接受 VantageScore 4.0 代表着三十多年来抵押贷款信用要求的首次重大变化，这源于 2018 年由唐纳德·特朗普总统在其第一任期内签署的《信用评分竞争法》。</p>
</div><p><strong>HERE'S WHAT HAPPENS WHEN YOU DISPUTE A CREDIT CARD CHARGE</strong></p>
<div class="lb-trans"><p><strong>当你对信用卡收费提出异议时会发生什么</strong></p>
</div><p>Following last week’s announcement, Smith said many of her clients are &#34;freaking out in a good way and a bad way.&#34;</p>
<div class="lb-trans"><p>在上周的公告之后，Smith 表示她的许多客户 “在好与坏之间感到惊慌”。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2026/04/931/523/us-home-for-sale-sign-mortgage.jpg/query-dGw9MSZ2ZT0x" alt="" original-src="https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2026/04/931/523/us-home-for-sale-sign-mortgage.jpg?ve=1&amp;tl=1"/></p>
<p>Changes are coming to America's mortgage credit requirements for the first time in 30 years. (Getty Images)</p>
<div class="lb-trans"><p>美国的抵押贷款信用要求在 30 年来首次发生变化。（Getty Images）</p>
</div><p>&#34;The narrative the media has been spinning has people all over the place. That is simply people not understanding what is coming down the pipeline and why,&#34; she said. &#34;Everything being put into place right now is to help more people get into homes and to update a system that has not been updated in over 30 years. FICO has been in place since 1989.&#34;</p>
<div class="lb-trans"><p>“媒体所传播的叙述让人们感到困惑。这只是人们对即将发生的事情及其原因缺乏理解，” 她说。“现在正在落实的一切都是为了帮助更多人拥有住房，并更新一个已经超过 30 年没有更新的系统。FICO 自 1989 年以来一直存在。”</p>
</div><p>&#34;The Credit Score Competition Act… set something significant in motion. Look at how long it’s taken. It’s now 2026 and it’s finally being implemented,&#34; Smith added. &#34;This was never about destroying FICO. This is about making sure FICO does not monopolize the credit scoring market. This is about updating an antiquated system.&#34;</p>
<div class="lb-trans"><p>“《信用评分竞争法》……启动了一些重要的事情。看看这花了多长时间。现在是 2026 年，终于开始实施了，” Smith 补充道。“这从来不是要摧毁 FICO。这是为了确保 FICO 不会垄断信用评分市场。这是为了更新一个过时的系统。”</p>
</div><p>A key benefit highlighted by FHFA Director Bill Pulte is the ability to account for rent payments, aiming to help creditworthy Americans who may not have traditional credit card debt but who have a perfect history of paying their bills.</p>
<div class="lb-trans"><p>FHFA 主任 Bill Pulte 强调的一个关键好处是能够考虑租金支付，旨在帮助那些可能没有传统信用卡债务但有完美账单支付历史的信用良好的美国人。</p>
</div><p>&#34;Rent and utilities now count — when reported,&#34; Smith said. &#34;If your clients' landlord reports to the bureaus, those years of on-time payments now feed the score… But here's the flip side nobody’s talking about: If your rent is being reported, a late payment potentially can hurt you, too. Reporting cuts both ways. Don't let clients assume this is all upside.&#34;</p>
<div class="lb-trans"><p>“租金和公用事业现在算数——当被报告时，” Smith 说。“如果你的客户的房东向信用局报告，那么这些按时支付的年份现在会影响评分……但这里有一个没人谈论的反面：如果你的租金被报告，逾期付款也可能会对你造成伤害。报告是双向的。不要让客户认为这全是好处。”</p>
</div><p>Smith also warned that large student loan repayments, auto loans or personal loans can still drag down your credit score and mortgage eligibility, despite the new scoring models.</p>
<div class="lb-trans"><p>Smith 还警告说，大额学生贷款、汽车贷款或个人贷款仍然可能拖累你的信用评分和抵押贷款资格，尽管有了新的评分模型。</p>
</div><p>&#34;That balance piece is real… High balance equals high score pressure under this model. That’s the nuance people need to hear,&#34; she said.</p>
<div class="lb-trans"><p>“这个余额问题是真实的……在这个模型下，高余额意味着高评分压力。这是人们需要听到的细微差别，” 她说。</p>
</div><p>While a borrower cannot choose which scoring models a lender uses, Smith predicts banks will &#34;probably&#34; lean toward pulling VantageScore 4.0 because FICO traditionally charges $9.99 per credit report pull and VantageScore costs 99 cents.</p>
<div class="lb-trans"><p>虽然借款人无法选择贷款方使用哪个评分模型，Smith 预测银行 “可能” 会倾向于使用 VantageScore 4.0，因为 FICO 通常每次信用报告拉取收费 9.99 美元，而 VantageScore 只需 99 美分。</p>
</div><p>&#34;To me, this is starting to look like a race to the bottom,&#34; Smith said, &#34;where VantageScore potentially ends up monopolizing the very market it claimed to open up. Lending as a whole is a multitrillion-dollar industry, and people are in more debt than they have ever been. My concern is this: giving more people access to mortgages who didn’t previously understand credit means they’re probably still coming in at a pretty subpar credit score.&#34;</p>
<div class="lb-trans"><p>“对我来说，这开始看起来像是一场向下竞争，” Smith 说，“VantageScore 可能最终会垄断它声称要开放的市场。贷款整体是一个数万亿美元的行业，人们的债务比以往任何时候都多。我的担忧是：让更多人获得抵押贷款，而他们之前并不理解信用，这意味着他们可能仍然以相当低的信用评分进入。”</p>
</div><p>However, this does not raise any recession-level concerns for Smith.</p>
<div class="lb-trans"><p>然而，这并没有引发 Smith 对经济衰退的担忧。</p>
</div><p>&#34;I do not see a repeat of 2008, 2009. Banks now have skin in the game. Back then, there was no real repercussion for lenders selling bad loans off to the secondary market. That guardrail now exists. We are not going to see a crash in that sense,&#34; Smith said.</p>
<div class="lb-trans"><p>“我不认为会重演 2008 年、2009 年。银行现在有了风险。那时，贷款人将坏贷款出售给二级市场没有真正的后果。现在有了这样的保护措施。我们不会看到那种意义上的崩溃，” Smith 说。</p>
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<div class="lb-trans"><p><strong>点击这里获取 FOX BUSINESS 移动版</strong></p>
</div><p>&#34;But here's what I do worry about: more people going into debt unnecessarily because they still don't understand the credit system,&#34; she continued. &#34;Remember, those who understand interest earn it; those that don’t pay it.&#34;</p>
<div class="lb-trans"><p>“但我担心的是：更多人不必要地陷入债务，因为他们仍然不理解信用系统，” 她继续说道。“记住，理解利息的人会赚取利息；而不理解的人则要支付利息。”</p>
</div><p>&#34;Credit is not your identity — but it is your financial reputation. And right now, more eyes are on it than ever before. Use this moment to get it right.&#34;</p>
<div class="lb-trans"><p>“信用不是你的身份——但它是你的财务声誉。而现在，更多的目光比以往任何时候都更关注它。利用这个时刻把它做好。”</p>
</div><p><strong>READ MORE FROM FOX BUSINESS</strong></p>
<div class="lb-trans"><p><strong>阅读更多来自 FOX BUSINESS 的内容</strong></p>
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特朗普时代的抵押贷款法案终于生效：你的信用准备好了吗？