FICO Shares Drop 17% Premarket After TransUnion Extends VantageScore 4.0 Mortgage Pricing

TransUnion’s decision to extend the mortgage pricing for VantageScore 4.0 through the end of 2028 marks a strategic effort to bolster competition against FICO’s entrenched position in the mortgage credit scoring arena.

VantageScore 4.0 will continue to be priced at $0.99 per mortgage origination score when ordered separately and remains complimentary for mortgage customers purchasing a FICO score.

This extension follows the Federal Housing Finance Agency’s expanded acceptance of VantageScore 4.0, effective January 1, 2027, which opens the door for wider adoption by mortgage lenders and could erode FICO’s market share in a lucrative segment.

Is FICO officially dead in the water now?