Unlock mortgage innovation with VantageScore

We’re excited that the FHFA (Federal Housing Finance Agency) has approved VantageScore 4.0 in mortgage lending—a milestone that opens up powerful new opportunities for both lenders and borrowers.

Equifax is leading the charge with a supportive, competitive transition:

• We’re pricing VantageScore 4.0 at $4.50 through 2027—more than 50% below FICO^®‘s 2026 pricing.
  
  
• We’re offering an exclusive deal for our mortgage customers: If you currently purchase FICO^® scores from Equifax, you can add VantageScore 4.0 for FREE through December 2026.
  
  
• We’ll deliver The Work Number^® Report Indicator and alternative data alongside Equifax’s mortgage credit report—at no extra cost.
  
  
• We believe the inclusion of rental, utilities, telecom, and trended data helps lenders get a fuller picture of borrower behavior. This broader data set has shown to provide a 20% lift in originations while maintaining similar risk levels.
  

Why this matters for you and your borrowers:

• Greater reach. More consumers—especially those with limited or nontraditional credit histories—can be considered for financing.
  
  
• Better decisioning. Trended and alternative data help reveal patterns of credit behavior, beyond static snapshots.
  
  
• Cost advantage. With Equifax’s aggressive pricing and additional value, your margin and competitive flexibility improve.

Want to add VantageScore 4.0 to your mortgage workflow? We’re here to walk you through the process.