Meet the first-of-its-kind Experian Score Choice Bundle

Give your mortgage lending strategy more choice.

The Experian Score Choice Bundle brings VantageScore® 4.0 and FICO® 2 together in a single transaction, giving mortgage lenders, financial institutions and credit unions greater flexibility to evaluate the scoring option that best fits their needs.

With more scoring choice, lenders can explore modern credit scoring approaches while maintaining a streamlined workflow supported by Experian data, technology and infrastructure.

2 Scores. 1 Transaction. Access VantageScore 4.0 and FICO® Score 2 in a single transaction to simplify mortgage credit scoring workflows.

Greater choice creates broader opportunity

With more choice, lenders can explore modern credit scoring approaches while maintaining a streamlined workflow supported by Experian data, technology and infrastructure. The result may provide lenders with additional scoring flexibility and could help support efforts to evaluate broader populations of consumers, depending on a lender's credit policies, underwriting practices, and business objectives.

Get Started with Score Choice Bundle

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Modern Data for a Modern Mortgage Market

VantageScore 4.0 incorporates additional data elements that may provide lenders with supplemental information when evaluating consumer credit risk.

The credit scoring model incorporates data elements intended to reflect aspects of today's consumer financial behavior, including rental payment information and consumer-contributed information through Experian Boost®. 

For mortgage lenders, that means another way to evaluate risk while expanding the information available to support credit decisions.

A New Scoring Option for the First Time in 20+ Years

For the first time in more than two decades, lenders can adopt a scoring model designed to reflect today’s consumer financial behaviors.

 

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Simplify Mortgage Credit Scoring

More choice should not mean more complexity.

A predictable pricing structure is intended to provide additional visibility into mortgage credit scoring-related costs.

Together, these capabilities give lenders more room to focus on score performance, credit strategy and informed decision-making.

Both Scores on Every Transaction

Receive both the separate VantageScore 4.0 and FICO® Score 2 on every transaction, giving your organization greater flexibility to choose the score that best fits its needs.

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Expand Your Scoring Options With Free Access to VantageScore 4.0

The mortgage credit scoring landscape is changing. Experian is helping lenders prepare by offering free access to VantageScore 4.0 for U.S. mortgage clients through the Experian Score Choice Bundle. This gives lenders the option to test and evaluate their credit strategies in response to market shifts so they can make an informed decision about what model best fits their business.

The result is greater scoring flexibility and the potential to support broader access to mortgage credit.

Free Access to VantageScore 4.0

Expand your scoring options with free access to VantageScore 4.0 for U.S. mortgage clients.

Evaluate VantageScore 4.0 With Confidence

Access to another score is only part of the equation. Lenders also need the ability to understand how it may perform within their portfolios and credit strategies. With Experian Ascend Analytical Sandbox, lenders can model, test and analyze VantageScore 4.0 performance before making broader implementation decisions. This creates a practical path for evaluating modern mortgage credit scoring. 

Test. Analyze. Evaluate. Use Experian Ascend Analytical Sandbox to explore VantageScore 4.0 performance and support faster evaluation of modern scoring approaches.

Frequently Asked Questions

Score choice gives mortgage lenders greater flexibility to evaluate credit scoring models based on their business, risk and lending strategies. Through the Experian Score Choice Bundle, lenders can access VantageScore 4.0 alongside FICO® Score 2, helping them evaluate performance, manage costs and explore modern scoring approaches that can support broader access to mortgage credit.

Experian combines high-quality credit data with the technology and infrastructure required to deliver mortgage credit information securely, consistently and reliably. The Score Choice Bundle builds on those capabilities by giving lenders more scoring flexibility, simplified access to VantageScore 4.0 and a transparent approach designed for the evolving mortgage market.

Lenders can use the Experian Score Choice Bundle to access and evaluate VantageScore 4.0 as part of their mortgage credit scoring strategy. They can also use Experian Ascend Analytical Sandbox to model, test and analyze VantageScore 4.0 performance, helping teams make informed decisions about how modern scoring models may fit into their lending strategies.