EFX
Neutral signalScored 2026-07-29 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
Research, not advice.
À propos
Equifax Inc.
- Nom
- Equifax Inc.
- Secteur
- Industrials
- Industrie
- Consulting Services
- Bourse
- NYSE
- Capitalisation
- $21.0B
- Employés
- 15,000
- PDG
- Mark W. Begor
- Site web
- https://www.equifax.com
- Marché
- BAHEXPGYFCNFORRICFIPAYX
Equifax Inc. operates as a global data and analytics company, delivering a range of information solutions and specialized human resources administrative process outsourcing services. Its clientele spans across businesses, governmental organizations, and individual consumers. The company's operations are structured into three primary divisions: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment specializes in employment-related data, offering verification services for income, employment history, criminal records, and Social Security numbers. It also provides tools for payroll-based transactions, employment tax management, and products aimed at protecting against identity theft. The U.S. Information Solutions (USIS) segment provides a comprehensive suite of services for both consumers and businesses within the United States. These offerings include extensive credit data and scoring, sophisticated credit modeling and portfolio analytics, identity verification and fraud detection/prevention services, and various consulting options. Additionally, USIS supports mortgage services, financial marketing initiatives, identity management solutions, credit monitoring products, and online decisioning technology solutions, alongside portfolio management and mortgage reporting services. Globally, the International segment delivers similar information service products, encompassing consumer and commercial credit and financial data, credit scoring, and advanced modeling. This division also provides credit-related marketing products and services, as well as technology and support for debt collection and recovery management. Equifax serves a diverse array of industries, including financial services, mortgage, employment, telecommunications, retail, automotive, utilities, brokerage, healthcare, and insurance, in addition to federal, state, and local governments. With a substantial international presence, the company conducts business in numerous countries, including the United States, Canada, Australia, New Zealand, India, the United Kingdom, Spain, Portugal, Argentina, Brazil, Mexico, and many other nations across Latin America, Europe, Asia, and the Middle East. Founded in 1899, Equifax maintains its corporate headquarters in Atlanta, Georgia.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 37 791 titres (~6 645 622,93 $ US)
- Insiders
- Begor Mark W
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$4,551,186
Avg sell (VWAP, 90d window) $174.76 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$4,551,186 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-07-24
- Last synced
-
2026-10-19 21:57:14
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-03 | GAMBLE JOHN W JR | Sell · S · 10b5-1 | 4,500 | $187.96 | $845,820 | Form 4 |
| 2026-07-24 | Begor Mark W | Sell · S · 10b5-1 | 21,543 | $172.00 | $3,705,366 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-09-25 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2026-04-14 | Gilbert Cisneros | Sale (Full) | $1,001 - $15,000 |
| 2026-03-13 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2025-04-08 | Robert P. Bresnahan | Purchase | $1,001 - $15,000 |
| 2025-03-20 | Byron Donalds | Sale (Full) | $1,001 - $15,000 |
| 2025-03-20 | Byron Donalds | Sale (Full) | $1,001 - $15,000 |
| 2024-01-10 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2024-01-10 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-11-03 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-10-31 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-10-10 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-08-29 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-07-28 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-07-07 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2023-05-23 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-11-03 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-11-02 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-10-20 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2022-08-01 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-07-15 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2022-06-14 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2022-05-23 | Ro Khanna | Purchase | $15,001 - $50,000 |
| 2022-05-10 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-04-21 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-04-11 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-02-17 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-02-14 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-01-21 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-01-20 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-01-11 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2021-11-19 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2021-02-25 | Lois Frankel | Sale (Full) | $1,001 - $15,000 |
| 2021-01-16 | Peter Meijer | Sale (Full) | $50,001 - $100,000 |
| 2020-10-07 | Susie Lee | Sale (Full) | $1,001 - $15,000 |
| 2020-06-09 | Lois Frankel | Sale (Partial) | $1,001 - $15,000 |
| 2020-04-28 | Susie Lee | Purchase | $1,001 - $15,000 |
| 2019-04-05 | Lois Frankel | Purchase | $1,001 - $15,000 |
| 2018-11-20 | Alan Lowenthal | Sale (Full) | $15,001 - $50,000 |
| 2018-11-20 | Alan Lowenthal | Sale (Full) | $50,001 - $100,000 |
| 2018-07-31 | Alan Lowenthal | Purchase | $1,001 - $15,000 |
| 2018-07-31 | Alan Lowenthal | Purchase | $1,001 - $15,000 |
| 2018-07-30 | Alan Lowenthal | Purchase | $1,001 - $15,000 |
| 2018-07-30 | Alan Lowenthal | Purchase | $15,001 - $50,000 |
| 2018-04-26 | Alan Lowenthal | Purchase | $1,001 - $15,000 |
| 2018-04-26 | Alan Lowenthal | Purchase | $15,001 - $50,000 |
| 2018-03-21 | Lois Frankel | Sale (Full) | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-07-29 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
EFX presents a weak composite profile: financial health scores (liquidity 35, fundamental trend 45) reflect structural vulnerabilities including a current ratio of 0.60, elevated debt-to-equity of 1.11, and heavy…
The first sentence of the analysis written for EFX on 2026-07-29 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Unavailable or mixed. – Insider: neutral. All sales (≈ $3.7M) were pre-planned Rule 10b5-1 trades, excluded from the score. No open-market buys or discretionary sales. – Initiés : neutre. Toutes les ventes (≈ $3.7M) sont sous plan 10b5-1 préétabli, exclues du score. Aucun achat ni vente discrétionnaire.
- Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.60 · operating margin 18% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 56.4% | 55.7% | 55.7% | 57.5% | 59.8% | |
| Ebit Margin | 18.8% | 18.3% | 18.2% | 21.7% | 22.2% | |
| Ebitda Margin | 30.8% | 30.3% | 30.0% | 32.8% | 32.2% | |
| Operating Profit Margin | 18.0% | 18.3% | 17.7% | 20.6% | 23.1% | |
| Pretax Profit Margin | 14.7% | 14.3% | 13.6% | 18.2% | 19.3% | |
| Continuous Operations Profit Margin | 10.9% | 10.7% | 10.5% | 13.7% | 15.2% | |
| Net Profit Margin | 10.9% | 10.6% | 10.4% | 13.6% | 15.1% | |
| Bottom Line Profit Margin | 10.9% | 10.6% | 10.4% | 13.6% | 15.1% | |
| Current Ratio | 0.605 | 0.751 | 0.672 | 0.680 | 0.489 | |
| Quick Ratio | 0.605 | 0.751 | 0.672 | 0.680 | 0.489 | |
| Solvency Ratio | 0.195 | 0.188 | 0.153 | 0.167 | 0.166 | |
| Cash Ratio | 0.077 | 0.094 | 0.107 | 0.142 | 0.098 | |
| Price To Earnings Ratio | 40.481 | 52.223 | 55.696 | 34.158 | 47.920 | |
| Price To Earnings Growth Ratio | 4.116 | 5.270 | -2.535 | -4.969 | 1.121 | |
| Forward Price To Earnings Growth Ratio | 4.116 | 5.270 | -2.535 | -4.969 | 1.121 | |
| Price To Earnings Diluted Ratio | 40.786 | 52.655 | 56.202 | 34.400 | 48.636 | |
| Price To Earnings Diluted Growth Ratio | 4.113 | 5.265 | -2.540 | -5.597 | 1.159 | |
| Price To Book Ratio | 5.806 | 6.577 | 6.703 | 6.013 | 9.957 | |
| Price To Sales Ratio | 4.401 | 5.554 | 5.772 | 4.644 | 7.249 | |
| Price To Free Cash Flow Ratio | 23.567 | 38.807 | 58.956 | 179.409 | 41.223 | |
| Price To Operating Cash Flow Ratio | 16.545 | 23.821 | 27.213 | 31.422 | 26.739 | |
| Debt To Assets Ratio | 0.429 | 0.426 | 0.465 | 0.501 | 0.480 | |
| Debt To Equity Ratio | 1.106 | 1.045 | 1.260 | 1.463 | 1.477 | |
| Debt To Capital Ratio | 0.525 | 0.511 | 0.557 | 0.594 | 0.596 | |
| Long Term Debt To Capital Ratio | 0.468 | 0.474 | 0.512 | 0.549 | 0.555 | |
| Financial Leverage Ratio | 2.577 | 2.451 | 2.708 | 2.919 | 3.080 | |
| Working Capital Turnover Ratio | -8.841 | -10.203 | -8.054 | -5.644 | -8.380 | |
| Operating Cash Flow Ratio | 0.692 | 0.731 | 0.553 | 0.376 | 0.583 | |
| Operating Cash Flow Sales Ratio | 0.266 | 0.233 | 0.212 | 0.148 | 0.271 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.702 | 0.614 | 0.462 | 0.175 | 0.649 | |
| Debt Service Coverage Ratio | 1.310 | 1.655 | 1.173 | 1.262 | 1.426 | |
| Interest Coverage Ratio | 5.159 | 4.549 | 3.867 | 5.770 | 7.816 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.557 | 1.926 | 1.159 | 0.783 | 1.618 | |
| Operating Cash Flow Coverage Ratio | 0.317 | 0.264 | 0.196 | 0.131 | 0.252 | |
| Capital Expenditure Coverage Ratio | 3.356 | 2.589 | 1.857 | 1.212 | 2.846 | |
| Dividend Paid And Capex Coverage Ratio | 2.262 | 1.880 | 1.408 | 0.928 | 2.025 | |
| Dividend Payout Ratio | 0.353 | 0.320 | 0.352 | 0.274 | 0.255 | |
| Enterprise Value Multiple | 16.935 | 21.155 | 22.726 | 17.422 | 25.727 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 56.5% | ▲0.8% | ▼-0.6% |
| Ebit Margin | 18.8% | ▲0.5% | ▼-1.1% |
| Ebitda Margin | 30.8% | ▲0.5% | ▼-0.4% |
| Operating Profit Margin | 18.0% | ▼-0.3% | ▼-1.5% |
| Pretax Profit Margin | 14.7% | ▲0.5% | ▼-1.3% |
| Continuous Operations Profit Margin | 10.9% | ▲0.2% | ▼-1.3% |
| Net Profit Margin | 10.9% | ▲0.2% | ▼-1.2% |
| Bottom Line Profit Margin | 10.9% | ▲0.2% | ▼-1.2% |
| Current Ratio | 0.605 | ▼-0.146 | ▼-0.035 |
| Quick Ratio | 0.605 | ▼-0.146 | ▼-0.035 |
| Solvency Ratio | 0.195 | ▲0.007 | ▲0.021 |
| Cash Ratio | 0.077 | ▼-0.016 | ▼-0.026 |
| Price To Earnings Ratio | 40.481 | ▼-11.742 | ▼-5.614 |
| Price To Earnings Growth Ratio | 4.116 | ▼-1.154 | ▲3.515 |
| Forward Price To Earnings Growth Ratio | 4.116 | ▼-1.154 | ▲3.515 |
| Price To Earnings Diluted Ratio | 40.786 | ▼-11.869 | ▼-5.750 |
| Price To Earnings Diluted Growth Ratio | 4.113 | ▼-1.153 | ▲3.633 |
| Price To Book Ratio | 5.806 | ▼-0.771 | ▼-1.205 |
| Price To Sales Ratio | 4.401 | ▼-1.153 | ▼-1.123 |
| Price To Free Cash Flow Ratio | 23.567 | ▼-15.241 | ▼-44.826 |
| Price To Operating Cash Flow Ratio | 16.545 | ▼-7.276 | ▼-8.603 |
| Debt To Assets Ratio | 0.429 | ▲0.003 | ▼-0.031 |
| Debt To Equity Ratio | 1.106 | ▲0.062 | ▼-0.164 |
| Debt To Capital Ratio | 0.525 | ▲0.014 | ▼-0.032 |
| Long Term Debt To Capital Ratio | 0.468 | ▼-0.006 | ▼-0.043 |
| Financial Leverage Ratio | 2.577 | ▲0.125 | ▼-0.170 |
| Working Capital Turnover Ratio | -8.841 | ▲1.362 | ▼-0.617 |
| Operating Cash Flow Ratio | 0.692 | ▼-0.039 | ▲0.105 |
| Operating Cash Flow Sales Ratio | 0.266 | ▲0.033 | ▲0.040 |
| Free Cash Flow Operating Cash Flow Ratio | 0.702 | ▲0.088 | ▲0.182 |
| Debt Service Coverage Ratio | 1.310 | ▼-0.345 | ▼-0.055 |
| Interest Coverage Ratio | 5.159 | ▲0.610 | ▼-0.274 |
| Short Term Operating Cash Flow Coverage Ratio | 1.557 | ▼-0.369 | ▲0.148 |
| Operating Cash Flow Coverage Ratio | 0.317 | ▲0.053 | ▲0.085 |
| Capital Expenditure Coverage Ratio | 3.356 | ▲0.767 | ▲0.984 |
| Dividend Paid And Capex Coverage Ratio | 2.262 | ▲0.383 | ▲0.561 |
| Dividend Payout Ratio | 0.353 | ▲0.033 | ▲0.042 |
| Enterprise Value Multiple | 16.935 | ▼-4.220 | ▼-3.858 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $26.73B | $31.55B | $30.39B | $23.79B | $35.69B | |
| Enterprise value | $31.64B | $36.39B | $35.89B | $29.29B | $40.76B | |
| EV / Sales | 5.21x | 6.41x | 6.82x | 5.72x | 8.28x | |
| EV / Op. cash flow | 19.59x | 27.48x | 32.13x | 38.69x | 30.54x | |
| EV / Free cash flow | 27.90x | 44.76x | 69.61x | 220.90x | 47.08x | |
| EV / EBITDA | 16.93x | 21.16x | 22.73x | 17.42x | 25.73x | |
| Net debt / EBITDA | 2.63x | 2.81x | 3.48x | 3.27x | 3.20x | |
| Current ratio | 0.60x | 0.75x | 0.67x | 0.68x | 0.49x | |
| Income quality | 2.43x | 2.18x | 2.02x | 1.08x | 1.78x | |
| Graham number | $67 | $65 | $61 | $64 | $64 | |
| Graham net-net | -$50 | -$48 | -$54 | -$54 | -$55 | |
| Tax burden | 73.8% | 74.5% | 76.0% | 74.9% | 78.4% | |
| Interest burden | 78.4% | 78.0% | 74.8% | 83.6% | 86.7% | |
| Working capital | -$923.2M | -$450.9M | -$662.7M | -$644.7M | -$1.17B | |
| Invested capital | $9.18B | $9.60B | $9.95B | $9.24B | $8.40B | |
| Return on assets | 5.6% | 5.1% | 4.4% | 6.0% | 6.7% | |
| Operating ROA | 9.3% | 8.7% | 7.8% | 9.3% | 11.0% | |
| Return on tangible assets | 17.9% | 16.8% | 15.6% | 21.4% | 26.7% | |
| Return on equity | 14.3% | 12.6% | 12.0% | 17.6% | 20.8% | |
| Return on invested capital | 7.7% | 7.3% | 6.4% | 7.6% | 9.4% | |
| Return on capital employed | 11.5% | 10.5% | 9.1% | 11.1% | 13.0% | |
| Earnings yield | 2.5% | 1.9% | 1.8% | 2.9% | 2.1% | |
| Free cash flow yield | 4.2% | 2.6% | 1.7% | 0.6% | 2.4% | |
| Capex / Op. cash flow | 29.8% | 38.6% | 53.8% | 82.5% | 35.1% | |
| Capex / Depreciation | 66.2% | 75.2% | 97.0% | 109.8% | 95.8% | |
| Capex / Sales | 7.9% | 9.0% | 11.4% | 12.2% | 9.5% | |
| SG&A / Sales | 26.6% | 25.5% | 26.3% | 25.9% | 26.9% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.3% | 1.4% | 1.4% | 1.2% | 1.1% | |
| Intangibles / Total assets | 68.9% | 69.4% | 71.5% | 71.9% | 74.7% | |
| Days sales outstanding | 61d | 62d | 63d | 61d | 54d | |
| Days payables outstanding | 28d | 20d | 31d | 42d | 39d | |
| Operating cycle | 61d | 62d | 63d | 61d | 54d | |
| Cash conversion cycle | 32d | 41d | 32d | 19d | 15d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-17 ‘You Don’t Co Parent With a Gorilla’: Dave Ramsey to Mom Who Financed $103,000 for Her Boyfriend’s Construction Company A mother in Atlanta signed her name on $103,000 worth of loans for her boyfriend''s construction company, then called Dave Ramsey to ask about borrowing $10,000 more. The hosts had a very different question for her.
- 2026-10-16 Equifax Gears Up to Post Q3 Earnings: What Should Investors Know? EFX is set to report Q3 earnings on Oct. 20, with revenue and EPS growth expected amid strong lending volumes, AI-driven gains and cloud technology savings.
- 2026-10-16 Here Are Friday’s Top Wall Street Analyst Research Calls: Barrick Mining, Brinker International, Constellation Energy, Equifax, Fox Corporation, JPMorgan Chase, Klaviyo, Toll Brothers, Workday, and More Bonds staged one of their biggest single-day rallies in years while crypto suffered a brutal $1 billion liquidation wave, and Wall Street analysts responded with a fresh round of double upgrades and surprise downgrades across banking, broadcasting, and beyond.
- 2026-10-16 Equifax expands access to cash flow data solutions for confident decisioning Expanded collaboration with Mastercard Open Finance extends access to consumer-permissioned financial insights alongside Equifax credit data Equifax is providing more open banking choice for lenders and fintechs through consumer-permissioned insights from Mastercard Open Finance. Lenders and fintechs can choose the cash flow data option that fits their needs and use it alongside Equifax credit data in their credit decisions.
- 2026-10-15 Stay Ahead of the Game With Equifax (EFX) Q3 Earnings: Wall Street''s Insights on Key Metrics Get a deeper insight into the potential performance of Equifax (EFX) for the quarter ended September 2026 by going beyond Wall Street''s top-and-bottom-line estimates and examining the estimates for some of its key metrics.
- 2026-10-15 Mortgage Paid, Cards Closed, Retired: A 68-Year-Old’s Credit Score Will Fall 70 Points the Year She Does Everything Right She retired, paid off her mortgage, and closed two credit cards, and every single decision hit her credit score like a separate penalty. The scoring system treated thirty years of perfect payments as almost irrelevant.
- 2026-10-13 Equifax (EFX) Reports Next Week: Wall Street Expects Earnings Growth Equifax (EFX) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-10-13 Equifax announces Mortgage Ultimate™ with adaptive automation for seamless, expansive verification coverage New solution delivers industry-leading 95% fulfillment rate for mortgage lenders Equifax is announcing Mortgage Ultimate™ with adaptive automation, seamlessly integrating automated verifications from The Work Number® with Network Verification Services to deliver an industry-leading 95% fulfillment rate. Solution supports mortgage lenders with a one-stop verification workflow that offers predictable pricing and automated, flexible ordering.
- 2026-10-08 Equifax Mortgage Score Select™ Supports Dual Score Approach 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.
- 2026-10-08 Equifax Reports Accelerated Adoption of VantageScore® 4.0 Across the Mortgage Industry Nearly 2,000 Mortgage Lenders Implementing Modern, Alternative Data-Driven Scoring Model; Equifax Extends $1 VantageScore 4.0 Pricing through the End of 2028 to Drive Industry Adoption, Homeownership Affordability, and Cost Savings Nearly 2,000 mortgage lenders and resellers are taking advantage of the Equifax offer of free VantageScore® 4.0 credit scores with paid legacy scores, and more than 165 lenders are exclusively using VantageScore 4.0 at the $1 price for certain types of loans. Equifax maintains $1 VantageScore 4.0 mortgage credit score pricing through the end of 2028 to expand industry adoption, reduce loan acquisition costs, and drive potential $1 billion in industry cost savings.