TransUnion Extends 99-Cent Mortgage Pricing for VantageScore® 4.0 Through the End of 2028 to Support Competition and Price Stability in Mortgage Credit Scoring
CHICAGO, Sept. 29, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that it will extend its mortgage pricing for VantageScore® 4.0 through December 2028, providing lenders, mortgage resellers and other industry participants with long-term pricing certainty as adoption of modern credit scoring models continues to accelerate.
Under the extended program, VantageScore 4.0 will continue to be available for $0.99 per mortgage origination score when ordered on a standalone basis. TransUnion was the first of the credit bureaus to announce that reduction earlier this year to help make home buying more affordable. TransUnion will also continue to offer VantageScore 4.0 at no additional cost to mortgage customers who purchase a FICO® score.
The announcement follows the Federal Housing Finance Agency’s (FHFA) September 2026 expansion of VantageScore 4.0 availability to approved Fannie Mae and Freddie Mac lenders, further advancing access to modern credit scoring solutions and greater choice across the mortgage industry. This momentum continues with the Federal Housing Administration’s (FHA) planned acceptance of mortgage collateral backed by VantageScore 4.0 beginning January 1, 2027, helping broaden access to homeownership opportunities for more creditworthy Americans.
“Broad availability of VantageScore 4.0 gives lenders another accepted credit scoring option, and predictable pricing will help them adopt that option with greater confidence,” said Satyan Merchant, senior vice president and mortgage business leader at TransUnion. “By extending our pricing through the end of 2028, TransUnion is offering three years of price stability while supporting greater competition and score choice in the mortgage market.”
VantageScore 4.0 is a next-generation credit scoring model that leverages trended credit data insights along with rental and utility tradelines, giving lenders a more complete view of consumer credit behavior. To help lenders and investors confidently assess and adopt VantageScore 4.0, TransUnion will continue to offer historical data and analytical support at no cost, allowing testing through TransUnion’s TruIQ™ Data Enrichment platforms.
"Mortgage lenders should not have to choose between innovation and affordability,” Merchant added.
TransUnion continues to see growing interest from lenders evaluating or implementing VantageScore 4.0-driven strategies across origination, prequalification and portfolio risk management. Between January and September 2026, VantageScore 4.0 adoption expanded to more than 1,100 mortgage lenders, including 9 of TransUnion’s 15 largest mortgage lender customers. At the same time, participants across the mortgage capital markets are increasingly recognizing the value of incorporating multiple credit score perspectives into mortgage-backed securities, helping improve transparency and broaden investor insight.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
http://www.transunion.com/business
| Contact | Dave Blumberg |
| TransUnion | |
| david.blumberg@transunion.com | |
| Telephone | 312-972-6646 |
