ATLANTA–Equifax has announced it will be offering VantageScore 4.0 mortgage credit scores at more than a 50% reduction from FICO 2026 prices (or $4.50) through the end of 2027.
In addition, Equifax said it will offer free VantageScore 4.0 credit scores to all Equifax customers in mortgage, automotive, card, and consumer finance who purchase FICO scores for the remainder of 2025 and throughout 2026.
Equifax’s reduction in VantageScore 4.0 pricing follows to last week’s move by FICO with the launch of its FICO Mortgage Direct License Program, which allows tri-merge resellers the option to calculate and distribute FICO scores directly to their customers.
‘Aggressive Pricing’
“Equifax plays an essential role in the financial lives of consumers and the mortgage industry, and we take that responsibility very seriously—particularly in the most challenging mortgage and housing market in 20 years,” Equifax CEO Mark W. Begor said in a statement. “We support Federal Housing Finance Agency Director Pulte’s decision in July to end the 30-year FICO scoring monopoly in the mortgage industry, and believe that the best way to drive change in the marketplace, and to lower costs for consumers and our customers, is through open competition. Equifax is supporting U.S. consumers and our mortgage customers with 2026 VantageScore 4.0 pricing at over 50% below FICO’s aggressive 2026 $10 pricing. We are committed to holding the $4.50 score pricing for two years to give lenders the confidence they need to convert to the higher-performing VantageScore.”
About Trended Data
Equifax noted its VantageScore 4.0 utilizes trended and alternative data—including rental, utilities and telecommunications payment histories—to enhance the assessment of creditworthiness.
“Trended credit data reflects changes in credit data over time, instead of relying on static, point-in-time credit history records leveraged by conventional FICO credit scores,” the company said. “These deeper insights have proven to provide a 20% lift in originations without adding incremental risk—thus enabling greater mainstream financial opportunities.”
