14 October 2025 ─ Experian, the global data and technology company, has today announced new credit scoring offers for the US mortgage market, through the Experian Score Choice Bundle, which includes a free VantageScore 4.0.
The Experian Score Choice Bundle is a uniquely comprehensive package of credit data and trended data and includes score choice, all available within the market leading Experian Ascend platform. The bundle will provide lenders with both VantageScore 4.0 and FICO 2 on every mortgage transaction.
Specifically, the Experian Score Choice bundle will include:
· One fee for the credit profile with trended data
· One fee for data used to process both scores: VantageScore 4.0 and FICO 2
· A fee to account for additional risk and operational complexity associated with third-party processing (if applicable)
· Any royalty charged by the score algorithm providers (if applicable)
By offering a free VantageScore 4.0 indefinitely, Experian is giving mortgage lenders time to evaluate the full benefit of VantageScore during the underwriting process. If Experian does charge, it will offer VantageScore 4.0 for at least a 50% discount compared to what FICO charges for its score. Experian’s pricing reflects that the primary value lies in the data and not the score.
We believe our new offer will lower costs to American consumers seeking a home, introduce more choice for lenders and further our mission to drive wider financial inclusion. In a move we have long advocated for, we expect to usher in a more competitive market for scores centred on our high-quality data, wider VantageScore 4.0 adoption and supported by the breadth of our Ascend analytical and platform capabilities.
Our FY26 financial guidance and medium-term financial framework are unaffected by this new offer. In the longer term, we anticipate enhanced profitability as the US mortgage market converts to better scores.
For more information about Experian's move to offer free VantageScore credit scores to the mortgage market, visit
Press release: Experian Offers Free VantageScore 4.0 to Lenders, Redefining the Mortgage Market
Experian global news blog: Opening More Doors To Homeownership With Free Access To VantageScore 4.0
Contact:
Experian
Nadia Ridout-Jamieson Investor queries +44 (0)20 3042 4220
Gerry Tschopp Media queries +1 714 830 7756
About Experian
Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realise their financial goals and help them to save time and money.
We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.
We invest in talented people and new advanced technologies to unlock the power of data and innovate. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.