VantageScore announces Xactus integration, expanding access to VantageScore 4.0 for mortgage lenders. Published: September 14, 2026 SAN FRANCISCO - September 14, 2026 - VantageScore today announced that VantageScore 4.0 credit scores are now available through Xactus360, the Intelligent Verification Platform(R) from Xactus, a fintech and market leader in verification solutions for the mortgage industry. The integration expands the credit-scoring options available to mortgage lenders through Xactus and supports more flexible, data-driven credit workflows. Through Xactus360, lenders can incorporate VantageScore 4.0 into their existing mortgage origination workflows, supporting the industry's continued transition toward modernized credit scoring. VantageScore 4.0 is a highly effective tool for lenders across the mortgage industry, powering mortgage platforms with highly accurate data and predictive credit scoring capabilities," said Dr. Rikard Bandebo, EVP, Chief Strategy Officer, and Chief Economist at VantageScore. "Leading mortgage technology platforms, such as Xactus, are evolving their processes alongside the industry as they embrace VantageScore 4.0 to better serve their lenders. Xactus is committed to helping lenders navigate credit score modernization with greater clarity, flexibility and confidence," said Mike Brown, Chief Product Officer at Xactus. "Making VantageScore 4.0 available through Xactus360 expands lender choice and supports its strategy of delivering the right data at the right time through intelligent, configurable workflows. VantageScore 4.0 adoption and availability continue to expand across the mortgage ecosystem. The model is available through mortgage technology providers, including Calyx and Optimal Blue, and has been adopted by lenders such as Rocket Mortgage. The Government Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac, along with the Federal Home Loan Banks, Federal Housing Administration and the U.S. Department of Veterans Affairs also utilize VantageScore 4.0. Seeking to pilot VantageScore 4.0? Resources for lenders interested in using VantageScore 4.0 to responsibly identify more qualified borrowers using modern, data-driven and predictive scoring are available at VantageScore.com/insights/vantagescore-4. About VantageScore(R) VantageScore is the fastest-growing credit scoring company in the U.S., and is known for the industry's most innovative, predictive and inclusive credit score models. In 2024, usage of VantageScore increased by 55% to hit 42 billion credit scores. More than 3,700 institutions, including nine of the top 10 U.S. banks, use VantageScore credit scores and digital tools to provide consumer credit products or generate greater insights into consumer behavior. The VantageScore 4.0 credit scoring model scores 33 million more people than traditional models. With the FHFA allowing the immediate use of VantageScore 4.0 for Fannie Mae and Freddie Mac guaranteed mortgages, the company is also ushering in a new era for mortgage lending. VantageScore is an independent joint venture company owned by Equifax, Experian and TransUnion. About Xactus Xactus - a leading fintech specializing in verification solutions for the mortgage and financial services industries - leverages advanced technology and industry expertise to provide innovative solutions that streamline loan origination and servicing processes. Its Intelligent Verification Platform(R), Xactus360, enables clients to make better mortgage decisions faster while increasing efficiency and reducing waste. Media Contact Yani Pena, VantageScore [email protected] +1 (415) 740-1915

VantageScore has launched its 5.0 credit score model, the only nationwide tri-bureau system trained on post-pandemic consumer data. The new model uses patent-pending attributes to deliver up to 9% enhanced predictive performance for auto loans and unsecured loans compared to VantageScore 3.0. The model offers improved risk segmentation and reduced credit score volatility. It is optimised for unsecured lending and auto loans, incorporating proprietary GAIN attributes that capture real-time credit behaviour and historical trends. Early adopter Patelco Credit Union reported meaningful improvements in predictive performance, particularly among underserved populations. VantageScore positions the model as superior to competitors like FICO Classic and FICO 10T, emphasising its foundation in post-pandemic credit behaviour data.

MyFreeScoreNow has integrated VantageScore 4.0 into its platform, enabling real estate brokers and mortgage lenders to provide clients with immediate online access to credit scores. The platform aims to help professionals engage buyers earlier in the homebuying process and convert more opportunities into closed deals. VantageScore 4.0 uses an advanced scoring model that evaluates credit behaviour over time and incorporates non-traditional credit data such as rent and utility payments. The model can score consumers without Social Security numbers, expanding access to millions of ITIN-holding households previously underserved in mortgage markets. The scoring model is accepted by Fannie Mae, Freddie Mac, the Federal Housing Administration and Department of Veterans Affairs. MyFreeScoreNow has raised $295 million to date.