Experian announced it will offer VantageScore® 4.0 at $0.99 per mortgage origination score, reinforcing its commitment to expanding credit score competition and delivering meaningful cost savings to the mortgage industry.
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Experian has worked closely with the Federal Housing Finance Agency, Fannie Mae, Freddie Mac, and industry stakeholders to support a thoughtful transition to updated credit score models. The company remains encouraged by the progress to date and committed to collaborating across the ecosystem to ensure smooth and responsible implementation.
announcement, based on a standalone purchase of VantageScore, builds on Experian’s previously announced Score Choice bundle, which provides VantageScore 4.0 at no cost to lenders who obtain a FICO® score in 2026. Together, these steps give lenders immediate, low-cost access to competitive scoring options.
“Competition should translate into measurable savings,” said Michele Bodda, President of Experian Housing, Verification Solutions, and Employer Services. “By reducing the price of a standalone VantageScore 4.0 to $0.99 while continuing to offer it at no cost through the Score Choice bundle, we are taking decisive action to help lenders lower expenses while maintaining rigorous credit standards.”
To simplify adoption, VantageScore 4.0 is integrated across Experian’s mortgage ecosystem – from the Ascend Platform™ to servicing and capital markets solutions – enabling lenders to model portfolio impact, validate performance, and implement seamlessly from origination through secondary market execution. These capabilities are strengthened by Experian’s differentiated data assets, including rental payment data, trended credit data, and alternative data insights, enhancing predictive power while responsibly expanding access to homeownership.
“Our focus is clear,” Bodda added. “Increase transparency, strengthen competition, and ensure the benefits are delivered to lenders and consumers alike.”
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