TransUnion Announces 99-Cent Mortgage Pricing for VantageScore® 4.0

Move delivers more than $900 million in potential savings for lenders and consumers as credit score competition accelerates ahead of the peak homebuying season

CHICAGO, March 09, 2026 (GLOBE NEWSWIRE) — TransUnion (NYSE: TRU) today announced a new, lower price of 99 cents per mortgage origination score for VantageScore® 4.0, reinforcing its commitment to homebuyer affordability and delivering greater value for mortgage lenders. Drawing on findings from a recent study, TransUnion estimates the new pricing could drive more than $900 million in potential savings for lenders and consumers.

This move supports the Federal Housing Finance Agency’s focus on increasing score competition in the mortgage market and making housing more affordable for Americans. With today’s announcement, TransUnion is leading the credit bureau industry with significant price cuts to encourage lenders to choose VantageScore 4.0 instead of its much more expensive competitor. Additionally, TransUnion will continue to offer VantageScore 4.0 for free to mortgage customers who purchase a FICO score from TransUnion.

“TransUnion is committed to lowering the cost of mortgage origination for every American looking to buy or refinance a home,” said Satyan Merchant, senior vice president and mortgage business leader at TransUnion.

VantageScore 4.0 is a next-generation credit scoring model designed to support responsible credit growth while maintaining strong and consistent risk performance across economic cycles. Together, VantageScore and TransUnion deliver unmatched predictive power by leveraging trended credit data insights along with rental and utility tradelines. TransUnion remains the only bureau that offers 30 months of trended credit data, 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.

“TransUnion appreciates the ongoing collaboration of the FHFA and the Government Sponsored Enterprises as they complete implementation milestones for VantageScore 4.0 in mortgage lending and remains dedicated to supporting clients through the transition toward widespread mortgage market adoption,” concluded Merchant.

Discover how TransUnion is enabling safer, smarter, and more inclusive homeownership here.

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