Costa Mesa, Calif., October 14, 2025 – Experian®, the global data and technology company, is creating a stronger, more competitive lending environment with a new offer to provide VantageScore 4.0, the most inclusive credit score in the market, for free to its U.S. mortgage clients.
This move reinforces Experian’s support of Federal Housing Finance Agency Director Pulte’s call to uncover creative ways to make the credit scoring industry more competitive and mortgages more affordable for Americans.
“Experian is dedicated to fostering a more competitive mortgage landscape, creating a safer and sounder market, and expanding access to homeownership for a wider range of consumers,” said Brian Cassin, Experian’s CEO. “Making VantageScore 4.0 more easily accessible and widely available for the mortgage market accelerates the adoption of VantageScore 4.0 among mortgage lenders.”
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, the company 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.
Accelerating Adoption
To help accelerate the use of VantageScore 4.0 in mortgage underwriting, it is fully available inside Experian’s award-winning Ascend Analytical SandboxÔ to support lenders’ modeling and analytics needs. This is critically important as the vast majority of lending-decision strategies, including those by leading financial services companies and mortgage industry stakeholders, are being made using the advanced capabilities of Experian’s Ascend platform.
To further support the industry’s needs and help consumers achieve the American dream of homeownership, mortgage lenders can leverage Experian’s Cashflow Score and Cashflow Attributes solutions. With cashflow insights, lenders have a clearer view of a consumer's financial behavior, such as income, expenses, cash reserves, and more, to enhance risk assessments with up to 25% lift in predictive performance[1].
Experian’s Long-Standing Mission to Innovate
The move to offer VantageScore 4.0 for free to the mortgage market represents another step in Experian’s mission to support the U.S. economy by providing innovative scoring and lending solutions that drive more inclusivity and access to fair and affordable financial resources.
“True to our culture of innovation, this latest move provides lenders with choice and flexibility, while advancing fair and affordable access to financial resources for more consumers,” continued Cassin. “We remain committed to helping deliver real progress in credit score competition and driving more financial opportunity for Americans.”
For more information about Experian’s move to offer free VantageScore credit scores to the mortgage market, visit https://www.experian.com/blogs/news/2025/10/14/vantagescore/.
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 realize 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.
[1] Based on Experian analysis when Cashflow Score is compared to conventional credit scores, tailored to targeted risk tiers. Predictability is based on the Kolmogorov-Smirnov test.