REG - Experian plc - Experian – US mortgage market update

ExperianAnnouncement

Tue 13:00

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RNS Number : 3350D  Experian plc  14 October 2025

 
 

news release

 

Experian - US mortgage market update

 

14 October 2025 ─ Experian, the global data and technology company, has
today announced new credit scoring offers for the US mortgage market, through
the Experian Score Choice Bundle, which includes a free VantageScore 4.0.

The Experian Score Choice Bundle is a uniquely comprehensive package of credit
data and trended data and includes score choice, all available within the
market leading Experian Ascend platform. The bundle will provide lenders with
both VantageScore 4.0 and FICO 2 on every mortgage transaction.

Specifically, the Experian Score Choice bundle will include:

·      One fee for the credit profile with trended data

·      One fee for data used to process both scores: VantageScore 4.0
and FICO 2

·      A fee to account for additional risk and operational complexity
associated with third-party processing (if applicable)

·      Any royalty charged by the score algorithm providers (if
applicable)

By offering a free VantageScore 4.0 indefinitely, Experian is giving mortgage
lenders time to evaluate the full benefit of VantageScore during the
underwriting process. If Experian does charge, it will offer VantageScore 4.0
for at least a 50% discount compared to what FICO charges for its score.
Experian's pricing reflects that the primary value lies in the data and not
the score.

We believe our new offer will lower costs to American consumers seeking a
home, introduce more choice for lenders and further our mission to drive wider
financial inclusion. In a move we have long advocated for, we expect to usher
in a more competitive market for scores centred on our high-quality data,
wider VantageScore 4.0 adoption and supported by the breadth of our Ascend
analytical and platform capabilities.

Our FY26 financial guidance and medium-term financial framework are unaffected
by this new offer. In the longer term, we anticipate enhanced profitability as
the US mortgage market converts to better scores.

 

 

Contact:

Experian

Nadia Ridout-Jamieson          Investor queries     +44 (0)20
3042 4220

Gerry Tschopp                        Media
queries        +1 714 830 7756

 

About Experian

Experian is a global data and technology company, powering opportunities for
people and businesses around the world. We help to redefine lending practices,
uncover and prevent fraud, simplify healthcare, deliver digital marketing
solutions, and gain deeper insights into the automotive market, all using our
unique combination of data, analytics and software. We also assist millions of
people to realise their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare,
automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power
of data and innovate. As a FTSE 100 Index company listed on the London Stock
Exchange (EXPN), we have a team of 25,200 people across 32 countries. Our
corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

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