TransUnion Cuts VantageScore 4.0 Mortgage Price to 99 Cents, Escalating Credit-Score Competition

Overview

• TransUnion set VantageScore 4.0 at $0.99 per mortgage origination score and will still provide it at no cost when a lender purchases a FICO score from TransUnion.
• The company estimates the new pricing could generate more than $900 million in savings for lenders and consumers.
• TransUnion is offering no-cost historical datasets and analytical support for lender testing through its TruIQ Data Enrichment platform.
• The move builds on the FHFA decision enabling Fannie Mae and Freddie Mac to accept loans underwritten with VantageScore 4.0, increasing competition with FICO, which HousingWire reports is priced at $10 per score in 2026.
• Experian recently reduced VantageScore pricing and adjusted FICO fees, yet resellers say uptake remains slow due to the absence of a VantageScore pricing grid for GSE deliveries and higher overall credit-report costs.