Equifax announced changes to its pricing strategy following Fair Isaac Corp. (FICO)’s rollout of a new program that allows tri-merge resellers to calculate and distribute its scores directly to mortgage lenders.

The credit bureau said it will offer VantageScore 4.0 – a direct competitor to FICO — at $4.50 per score through the end of 2027. It will also provide the score at no cost for the remainder of 2025 and 2026 to mortgage, automotive, credit card and consumer finance customers who purchase FICO scores during that period.

The shift comes as competition intensifies in the credit scoring market, driven by details ⇒

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