Equifax Mortgage Score Select™ Supports Dual Score Approach

The new offering charges $1 for a mortgage credit file repull within 24 hours, plus the cost of any selected score.

Rhea-AI Summary

Equifax (EFX) has released Mortgage Score Select, allowing mortgage lenders and brokers to choose a credit score or request an unscored file. A mortgage credit file can be pulled again within 24 hours for $1, plus the cost of any selected score. Options include VantageScore 4.0, Classic FICO and FICO Score 10T when approved. The offering precedes Federal Housing Administration acceptance of VantageScore 4.0 for eligible mortgage loans, effective January 1, 2027.

Positive

• Minor pointMortgage Score Select launches with $1 file repulls within 24 hours, plus any selected score’s cost.

Negative

• Minor point. Forward-looking: it has not happened yet and may not happen.FICO Score 10T availability through Mortgage Score Select depends on approval.

Key Figures

Repull fee: $1 Repull window: 24 hours FHA VantageScore 4.0 acceptance: January 1, 2027

Repull fee

$1

For a mortgage credit file repull within 24 hours

Repull window

24 hours

After the initial mortgage credit file pull

FHA VantageScore 4.0 acceptance

January 1, 2027

Effective date for eligible mortgage loans

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Solution drives cost efficiency and flexibility to mortgage lenders and brokers in new era of mortgage credit score choice

• In a new era of mortgage credit score choice, Equifax is providing lenders the flexibility to choose which score goes on the file, while driving cost savings and operational efficiency.
• Equifax Mortgage Score Select™ gives lenders and brokers the flexibility to pull an Equifax mortgage credit file with a selected score, or without a score, during loan origination; and repull the mortgage credit file within 24 hours for just $1 with a selected score or no score.
• The new solution positions lenders ahead of the January 1, 2027, FHA acceptance of VantageScore® 4.0.

ATLANTA, Oct. 8, 2026 /PRNewswire/ -- Equifax^® (NYSE: EFX) is providing mortgage lenders and brokers with greater flexibility and cost efficiency during loan origination, and helping them to prepare for the acceptance of new credit scores, with the release of Equifax Mortgage Score Select™. This new offering enables the mortgage industry to pull an Equifax mortgage credit file without a credit score or with the credit score they select for their mortgage banking needs, whether that score is VantageScore® 4.0, Classic FICO^®, or FICO^® Score 10T when it is approved. If the lender or broker wants a second look at the mortgage credit file after the initial pull, they are able to pull the Equifax mortgage credit file again within 24 hours for just $1, along with the cost of their selected mortgage credit score or without a mortgage credit score.

"We are committed to working closely with mortgage lenders to provide them with the tools and resources they need to operate more efficiently," said Joel Rickman, General Manager & SVP, U.S. Mortgage and Verification Services. "With Equifax Mortgage Score Select, we are helping lenders and brokers achieve two key objectives: cost-effectively gaining access to more data to support lending decisions and qualifying more borrowers based on those expanded data sets."

Additionally, use of Equifax Mortgage Score Select proactively positions lenders in anticipation of the Federal Housing Administration's (FHA) acceptance of VantageScore 4.0 for eligible mortgage loans, effective January 1, 2027, while already meeting current secondary market requirements of certain investors regarding use of score.

With Equifax Mortgage Score Select, each mortgage credit file can have a single accompanying credit score, so lenders know exactly which score applies to the file in front of them. Because the Equifax credit file works with any score, the score utilized is the lender's choice.

As the mortgage industry moves toward a multi-score future, Equifax will continue to give lenders and brokers the flexibility to choose the scores that fit their business, with the same trusted credit file behind every decision. To learn more, visit Equifax.com.

ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.

FOR MORE INFORMATION:
Tiffany Smith for Equifax
mediainquiries@equifax.com

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SOURCE Equifax Inc.

FAQ

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How much does an Equifax Mortgage Score Select credit file repull cost?

A mortgage credit file repull within 24 hours costs $1, plus the cost of the selected mortgage credit score. Lenders and brokers can also request the file again without a score.