Equifax Holds $1 VantageScore 4.0 Price Through 2027

On its second quarter 2026 earnings call, held July 21, Equifax told investors it will keep its $1 price for the VantageScore 4.0 mortgage credit score in place at least through the end of 2027. You can find the earnings materials on Equifax's investor relations site. CEO Mark Begor said adoption is picking up as the FHFA opens the model to more lenders for loan origination.

• About 1,200 mortgage lenders are now pulling VantageScore 4.0 alongside a paid FICO score from Equifax.
• About 100 lenders, mostly smaller non-GSE lenders and those handling HELOCs or home equity loans, have moved to VantageScore 4.0 on its own at the $1 price.
• Equifax said its VantageScore mortgage volume rose roughly threefold from the first quarter to the second, reaching 2.2 million transactions.

At Informative Research, we read this as one more sign that pricing for mortgage credit scores keeps shifting. Lenders now weigh FICO and VantageScore as parallel options, and all three bureaus, Equifax, Experian, and TransUnion, have rolled out their own VantageScore pricing. IR stays neutral on which score or which bureau a lender chooses, and we help clients compare the costs across both models so the numbers fit their workflow.

For IR clients, the key takeaway is that score pricing is still in motion, so it pays to check how each option lands on your cost per loan before you commit.

Tags: credit scores, VantageScore, FICO, mortgage credit, bureau pricing

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