If you've been renting responsibly for years but felt invisible to lenders because of a "thin" credit file, major changes are finally here to help level the playing field. In April 2026, the Federal Housing Administration (FHA), along with Fannie Mae and Freddie Mac, announced the rollout of updated credit-scoring models — VantageScore 4.0 (now available to approved lenders) and FICO Score 10T (coming soon). These models better recognize positive payment histories for rent, u