在2026年,Transunion和Equifax将VantageScore 4.0价格分别压到0.99美元和1美元,以刺激竞争和公平借贷,尽管FICO仍然在政府支持的抵押贷款中占主导地位。 TransUnion and Equifax slashed VantageScore 4.0 prices to $0.99 and $1, respectively, in 2026 to boost competition and fair lending, though FICO still dominates government-backed mortgages.

2026年,TransUniversion将其房价4.0核心按揭信用得分价格降至0.99美元,这是更广泛的行业转向降低成本和刺激竞争的一部分。 In 2026, TransUnion reduced its VantageScore 4.0 mortgage credit score price to $0.99, part of a broader industry shift to lower costs and boost competition. Equifax也将其房价4.0至1美元降低, 与FHFA追求现代化的评分和更公平的贷款一致。 Equifax also cut its VantageScore 4.0 price to $1, aligning with the FHFA’s push for modernized scoring and fairer lending. 两家公司都利用FICO分数向贷款人免费提供VantageScore 4.0,同时纳入租金和水电费等替代数据。 Both companies offer free VantageScore 4.0 to lenders using FICO scores, while incorporating alternative data like rent and utility payments. 尽管作出了这些努力,FICO在政府支持的抵押贷款中仍然占主导地位,由于遗留制度和定价的复杂性,采用替代办法的速度缓慢。 Despite these efforts, FICO remains dominant in government-backed mortgages, and adoption of alternatives has been slow due to legacy systems and pricing complexities.