Equifax cuts mortgage credit scores price by 50% in response to FICO

Equifax (EFX) said it is responding to FICO‘s (FICO) “monopoly-like doubling” of its mortgage credit score prices to $10 in 2026 by offering VantageScore 4.0 mortgage credit scores at an over 50% reduction from FICO 2026 prices, or $4.50, through the end of 2027. “Equifax will also offer free VantageScore 4.0 credit scores to all Equifax customers in mortgage, automotive, card and consumer finance who purchase FICO scores for the remainder of 2025 and throughout 2026. With these steps, lenders can see the value that VantageScore 4.0’s inclusion of alternative data, or information not historically included in traditional credit reports, can bring – making it possible to score 33 million more U.S. adults,” the company said in a statement.