Every American deserves a fair shot at homeownership and high-quality data makes it happen.
That’s why, as of today, Experian will provide free access to VantageScore 4.0 indefinitely.
We’ve championed the Federal Housing Finance Agency and Director Pulte’s decision to approve modern scores and support their call to uncover creative ways to make the credit scoring industry more competitive and mortgages more affordable for Americans.
Today, we’re responding to Director Pulte’s call with this exciting step forward.
By giving our clients the resources and flexibility to evaluate the benefits of modern scoring in real workflows, we can make homeownership more accessible to more people, in more places, more of the time.
This is about accelerating score choice in a responsible, transparent way so lenders can test and learn, and more consumers can be seen for the full picture of their financial behavior.
Total transparency. Total utility. Flexible. Secure. Reliable.
To deliver this, we’re proud to introduce the Experian Score Choice Bundle, a first-of-its-kind credit scoring solution for the mortgage market. The bundle provides lenders with both VantageScore 4.0 and FICO 2 on every transaction, offering the freedom to choose the score that best fits their needs. The result: reduced costs for lenders, expanded access to credit, and a clearer path to homeownership for millions of consumers.
When you buy from Experian, here’s exactly what you’ll pay:
- Credit Profile: One fee for the credit profile with trended data
- Data for Score Processing: One fee for data used to process both scores: VantageScore 4.0 and FICO 2
- 3rd Party Support: A fee to account for additional risk and operational complexity associated with third-party processing (if applicable)
- Score Algorithm Licensing: Any royalty charged by the score algorithm providers (if applicable)
This is what lenders pay for today, but with added transparency. We’ve separated our Data for Score Processing fee from Score Algorithm Licensing fee, so lenders know exactly who they’re paying and for what.
Lenders will now receive both scores on every transaction, allowing them to:
- Evaluate VantageScore 4.0 against new GSE LLPA guidelines
- Fund loans that qualify with VantageScore 4.0 that may not have qualified otherwise
- Pass both scores to the secondary market for evaluation against real lending decisions and evolving GSE standards
The Experian Score Choice Bundle builds on what has always set Experian apart – the quality, accuracy, and depth of our data, supported by the technology and infrastructure that make it all possible.
Our trusted data powers the mortgage ecosystem, giving lenders the confidence to make informed, responsible decisions while helping consumers build stronger financial futures. For decades, we’ve invested in the integrity, predictiveness, and security of our data and in the systems, compliance frameworks, and technology that deliver millions of credit reports and scores securely, consistently, and in real-time. This same infrastructure also supports consumers directly – helping them understand their credit, resolve questions, and take control of their financial health. Together, these investments ensure the mortgage market remains stable, transparent, and trusted.
To accelerate score choice adoption, VantageScore 4.0 is available within Experian’s award-winning Ascend Analytical Sandbox, enabling lenders, resellers, and other market participants to model, test, and analyze score performance. Lenders can also enhance decisioning with Experian’s Cashflow Score and Cashflow Attributes, which provide deeper insights into borrower financial behavior (such as income, expenses, and cash reserves) to better serve consumers with limited or emerging credit histories.
Experian’s commitment to innovation that fuels competition and expands access to credit is unwavering. From VantageScore to our award-winning Experian Verify and Power Profile Plus solutions, we’re transforming how lenders evaluate consumers and make confident, informed credit decisions. At the same time, we’re empowering millions of consumers directly through Experian Boost, which helps expand credit histories by adding positive cell phone, utility, insurance, and rent payments, and Experian RentBureau, the nation’s largest database of rental payment history. Together, these innovations give lenders a more complete view of financial behavior and open the door to affordable credit and sustainable homeownership for more consumers.
Ultimately, this is about greater choice, lower costs, and broader access – helping lenders serve more borrowers and creating a mortgage market that works better for everyone.
