Experian Adds Unlimited Soft Pulls to Power Profile Plus
Experian announced Oct. 12 enhancements to its Power Profile Plus for Mortgage solution, according to a press release. A single soft inquiry gives...
In a post on X published September 28, FHFA Director Bill Pulte announced that Fannie Mae and Freddie Mac will combine their separate loan level pricing grids for FICO and VantageScore 4.0 into a single grid, with VantageScore now joining the existing FICO Classic pricing structure. Pulte did not set an effective date or publish a replacement pricing grid.
We are Simplifying Mortgage Pricing following feedback from lenders and consumers. Instead of two separate pricing grids, which makes zero sense, Fannie and Freddie are hereby moving to ONE PRICING GRID with VantageScore joining the existing FICO Classic pricing grid.
— Bill Pulte (@pulte) September 28, 2026
At Informative Research, we see this as a meaningful step in how lenders will weigh FICO and VantageScore 4.0 going forward, even though it is not yet actionable. Closing the pricing gap between the two models could make VantageScore 4.0 a more attractive option for some borrowers once the details are final, but lenders do not have an effective date or a published grid to work from today. IR delivers credit data across single bureau, bi-merge, and tri-merge files, supports either score model now, and will keep clients updated as FHFA publishes implementation details.
Disclaimer: The views and commentary expressed in this blog are provided for informational purposes only and do not constitute legal, financial, or professional advice. Informative Research (IR) makes every effort to ensure the accuracy of the content at the time of publication, but we do not guarantee its completeness or timeliness. Readers should consult their own legal or business advisors before making decisions based on this information. References to third-party companies, products, or services are not endorsements.
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