EFX · News & developments
Equifax adds a low-cost repeat pull as mortgage lenders gain score choice
Equifax launched Mortgage Score Select, allowing lenders and brokers to request an Equifax mortgage credit file with a chosen score or without a score. The company says users can repull the file within 24 hours for $1, with an additional charge if they select a score. The offering supports VantageScore 4.0 and Classic FICO, and FICO Score 10T when approved; Equifax says it is intended to prepare lenders for FHA acceptance of VantageScore 4.0 for eligible loans effective January 1, 2027.
Why this matters
Keeping the file constant while allowing the lender to choose the score gives Equifax a way to remain part of the origination workflow as scoring rules evolve. The $1 repeat pull lowers the cost of taking another look, which may make the credit file stickier even when the scoring model changes. That is a product rationale, not evidence of adoption: Equifax reports no lender integrations, usage or financial contribution yet.
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