Both bureaus introduce ways to purchase credit scores separately from reports, while Equifax reports growing VantageScore adoption and extends $1 pricing through 2028
More than 1,100 mortgage lenders have enabled the alternative score, but TransUnion tells NMP that “adoption” includes uses beyond loan originations
FICO 10T enrollment tops 70 lenders while VantageScore 4.0’s presence in TransUnion mortgage credit pulls jumps from less than 5% to roughly 30%
New borrower insights help lenders evaluate applicants earlier in the origination process at no additional cost
Interest-rate-sensitive consumers remain open to refinancing opportunities while Gen X reports the strongest affordability pressures
Diverging borrower profiles reshape risk, underwriting, and pipeline outlook as new credit scoring models loom
RiskRatio upgrade gives lenders earlier visibility into borrower performance as delinquencies rise and credit cost pressures intensify
Mobile-first platform expands data access, prospecting power, and early borrower engagement — raising stakes for loan originators in the race to win the client
New pricing from major credit bureaus expected to deliver over $1 billion in industry savings
TransUnion forecasts mortgage originations will continue rising through 2026, as easing rates, improving affordability, and strong consumer demand support purchase activity and a gradual refinance recovery