Transunion Cuts Vantagescore 4.0 Price To 99 Cents For Mortgage Lenders

TransUnion is reducing the price of VantageScore 4.0 to $0.99 per score for mortgage lenders and will continue to offer it at no cost with the purchase of a Fair Isaac Corp. (FICO) score, the company announced Monday.

The move follows an announcement in October that the credit bureau would offer VantageScore 4.0 for $4 per score and provide it free to lenders that purchase a FICO score through the end of 2026. TransUnion said the new pricing compares with FICO’s fee of $10 per score for 2026.

VantageScore is jointly owned by TransUnion and its main competitors, Equifax and Experian. The company said the new pricing could drive more than $900 million in potential savings for lenders and consumers, based on a recent study. 

“TransUnion is committed to lowering the cost of mortgage origination for every American looking to buy or refinance a home,” Satyan Merchant, senior vice president and mortgage business leader at TransUnion, said in a statement. 

Competition in the credit scoring market has intensified following a decision by the Federal Housing Finance Agency (FHFA) in July to allow Fannie Mae and Freddie Mac to purchase loans underwritten with VantageScore 4.0 as an alternative to the Classic FICO score.

Adoption of VantageScore has been slow, however, partly because there is no pricing grid attached to the model when loans are delivered to the government-sponsored enterprises (GSEs), credit report resellers told HousingWire.

Experian last week also announced a price reduction for VantageScore 4.0 to roughly one-third of the price of a FICO score, down from about 50%. At the same time, the company increased FICO pricing by roughly 3% of the total cost of a tri-merge credit report, according to resellers.

“The pace of score modernization in the near term has been slowed due to delays in parallel efforts to update legacy scores that are over two decades old,” Experian said in a letter sent to resellers and reviewed by HousingWire. 

Credit report prices for mortgage lenders have reportedly already climbed by as much as 50% in 2026.

TransUnion said it remains the only credit bureau to offer 30 months of trended credit data along with rental and utility tradelines. The company added that it will continue to provide historical data and analytical support at no cost, allowing lenders to test models through its TruIQ Data Enrichment platform.

“TransUnion appreciates the ongoing collaboration of the FHFA and the Government Sponsored Enterprises as they complete implementation milestones for VantageScore 4.0 in mortgage lending and remains dedicated to supporting clients through the transition toward widespread mortgage market adoption,” Merchant said.