This blog curates key headlines from trusted sources and adds expert insights from the Informative Research team to help lenders make smarter decisions, manage costs, and stay ahead of change.
Experian announced Oct. 12 enhancements to its Power Profile Plus for Mortgage solution, according to a press release. A single soft inquiry gives lenders a full Experian credit profile and VantageScore® 4.0.
TransUnion announced on October 8 a new ordering option for mortgage lenders called TransUnion First Look Functionality for Mortgage, which lets a lender review a borrower's credit report before paying for a credit score.
Equifax® said in a press release published October 8 that it will hold its VantageScore® 4.0 mortgage credit score at $1 through the end of 2028, extending a pricing commitment that previously ran through 2027. The company also announced Equifax Mortgage Score Select™, a new option that lets lenders and brokers pull an Equifax mortgage...
Weekly Real Estate News reported Oct. 1 that the Federal Housing Finance Agency is preparing to direct Fannie Mae and Freddie Mac to require mortgage lenders to pull credit data from two of the three national credit bureaus instead of all three, according to a person familiar with the plans cited by Bloomberg Law. FHFA has not formally...
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...
In a press release published September 29, TransUnion announced it will extend its mortgage pricing for VantageScore® 4.0 through December 2028, giving lenders, resellers, and other industry participants three more years of pricing certainty. Read the full announcement. VantageScore 4.0 will continue to be available for $0.99 per...
FHA announced on September 10 that FHA approved lenders will be able to use FICO® Score 10T and VantageScore® 4.0 for mortgage underwriting starting January 1, 2027, per FHA INFO 2026-21 (look for the September 10, 2026 entry).
On September 9, Fannie Mae issued Lender Letter LL-2026-06 and Freddie Mac issued Bulletin 2026-H, making VantageScore® 4.0 available to every approved seller, effective immediately, with no prior approval required. This formalizes FHFA Director Bill Pulte's September 3 directive and ends the limited rollout that began in May.
In a post on X published the evening of September 3, FHFA Director Bill Pulte said he is instructing Fannie Mae and Freddie Mac to immediately approve all lenders to use VantageScore 4.0, expanding a limited rollout he announced in April.
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