In November 2025, Equifax published a statement making the case that FICO is the villain in the mortgage credit cost story. It was just one more shot across the bow from the 3Bs at FICO; a battle we’ve been watching play out in real time for years.

The numbers don’t lie: FICO’s per-score price has gone up 1,800% since 2020. It’s damning. It’s also a bureau pointing a finger at the single competitor to VantageScore, an entity Equifax co-owns with Experian and TransUnion.

FICO fires back just as hard. In their own published blogs, they document that the bureaus marked up the details ⇒

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