XOP November 2024 Release Notes

Enhancements for Providers


SharperLending is releasing new enhancements Friday, November 22, 2024. This release focuses on enhancements for the FICO 10T and VantageScore4.0 (VS4) scoring models to elevate lending-decision processes.

We have been working closely with FICO, VantageScore, and the bureaus to deliver these new models – both in data format and on your credit reports. While many LOSs such as Encompass© and the GSEs are gearing up to support these new models, XpertOnline has you covered! By default, if you have the 10T and/or VS4 enabled on your products with new bureau access codes, XpertOnline will suppress 10T and VS4 data (scores and score disclosures) on both the PDF Lender Report and in the XML that is sent to the LOS.
  • Easily trigger the new models to appear on your credit reports and be sent to the LOS with the new service, described below.
  • Quickly compare Classic, 10T, and VS4 scores with an updated Management Report, also described below.
Check out the Release Notes below for more information or visit our Help Center.

Release Notes

  • New Additional Service Enhances 10T, VS4 in XOP: a brand-new Additional Service can be added to your products called “Include 10T/VS4 in Decisioning.”  When set to Selected, these scores will be delivered on your credit reports along with the Score Disclosure for each applicant. New scores will be included in the XML data sent to the LOS, too.
  • Enhanced Decision Score Management Report: Updated report (found HERE) includes FICO Classic scores, plus FICO 10T, and VantageScore4.0 for all bureaus. Conveniently examine how the scores stack up with each other. Data returned applies to applicant and/or co-applicant.
Reminder: SharperLending has supported these new models for the past 6 months. FICO 10T and VantageScore4.0 have been automatically added to your product Access Addons (available for Equifax v5.0, TransUnion v4.0, and Experian v7.0 credit report accesses).