Experian announced a new pricing initiative for VantageScore® 4.0 that aims to expand credit score competition and lower costs for the mortgage industry. The company will offer VantageScore 4.0 for $0.99 per mortgage origination score. Experian stated that the change reflects its ongoing commitment to increasing competition in credit scoring and delivering cost savings to lenders.
Experian has worked with the Federal Housing Finance Agency, Fannie Mae, Freddie Mac, and other industry stakeholders during the transition to updated credit score models. According to the company, this collaboration supports a thoughtful rollout of new scoring options. Experian also noted that it remains encouraged by the progress so far and will continue working with industry participants to help ensure responsible implementation.
The new pricing applies to a standalone purchase of VantageScore 4.0. In addition, the announcement builds on Experian’s previously introduced Score Choice bundle. Under that program, lenders who obtain a FICO® score in 2026 can access VantageScore 4.0 at no cost. Together, these options provide lenders with additional ways to obtain credit scoring models at lower costs.
Michele Bodda, president of Experian Housing, Verification Solutions, and Employer Services, said the pricing change reflects the company’s focus on delivering measurable savings through increased competition.
“Competition should translate into measurable savings,” Bodda said. “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.”
Experian also highlighted how lenders can integrate VantageScore 4.0 into their existing mortgage technology ecosystem. The score model is available across Experian’s platforms, including the Ascend Platform™, servicing tools, and capital markets solutions. These integrations allow lenders to evaluate potential portfolio impacts, validate model performance, and implement the scoring model throughout the mortgage lifecycle, from origination to secondary market execution.
According to Experian, the system also incorporates several proprietary data sources designed to strengthen predictive capabilities. These include rental payment data, trended credit data, and alternative data insights. Experian said these datasets help improve credit model performance while also supporting broader access to homeownership.
Bodda said the company’s broader objective centers on improving transparency and competition within the credit scoring market.
“Our focus is clear,” Bodda said. “Increase transparency, strengthen competition, and ensure the benefits are delivered to lenders and consumers alike.”
Experian is a global data and technology company that provides analytics, software, and data solutions across multiple industries. The company works with organizations in financial services, healthcare, automotive, agrifinance, insurance, and other sectors. Its services include fraud prevention, digital marketing solutions, lending analytics, and market insights.
Experian also provides tools that help individuals manage their financial goals and make informed decisions about credit and spending.
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