NYSE:EFXProfessional Services
Is Equifax’s (EFX) US$1 VantageScore 4.0 Push Redefining Its Competitive Moat?
Earlier in March 2026, Equifax introduced VantageScore 4.0 mortgage credit scores priced at US$1 per file and expanded its use of alternative data and employment indicators to help lenders lower loan acquisition costs and broaden access to homeownership.
This move could materially reshape mortgage underwriting economics while giving underserved borrowers greater visibility in the credit system through richer, non‑traditional data.
We’ll now examine how Equifax’s US$1 VantageScore 4.0...