Credit scores are a foundational component of the US housing finance system and a key indicator of a homebuyer’s ability to access homeownership’s wealth-building benefits. Credit scores are central to risk-based pricing decisions, loan terms, down payment requirements, and more. 

  
Join the Urban Institute for a data-driven, evidence-based discussion on the evolution of credit scores in the housing finance ecosystem. Experts and policy practitioners will examine the historical development of credit scoring, its applications across different aspects of housing finance, and the ways consumers can better understand and improve their scores. Finally, we will look ahead to how innovations and emerging technologies are driving the next phase of progress in credit scoring and the implications of these developments for the future housing finance system.