# Experian Expands Power Profile Plus to Cut Mortgage Credit Costs

- URL: https://stocks.freetheai.org/news/experian-expands-power-profile-plus-to-cut-mortgage-credit-costs-899231
- Published: 2026-10-12T12:00:00Z
- Category: company_news; sentiment: bullish; impact: medium
- Symbols: [LSE:EXPN](https://stocks.freetheai.org/symbols/LSE-EXPN)
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Experian plc (LSE:EXPN) has updated its Power Profile Plus product for mortgage lenders to reduce costs during the early stages of loan qualification. Under the expanded service, lenders can run unlimited eligible follow-up soft credit inquiries and add extra credit scores without paying additional credit-profile fees to Experian.

The changes aim to trim per-file costs for mortgage providers testing multiple scoring models and evaluating borrower credit. As part of the update, Experian offers standalone VantageScore 4.0 credit scores via soft inquiry for $0.99, enabling upfront credit evaluations without requiring hard credit pulls. Experian also introduced a Score Choice Bundle for 2026, offering VantageScore 4.0 at no charge when a FICO 2 score is purchased.

These updates align with the Federal Housing Finance Agency effort to modernize credit scoring in the mortgage market. Key factors to track include lender adoption rates, total mortgage credit request volumes, and any financial effect on Experian revenues and profit margins.

## Key points

- Experian enhanced its Power Profile Plus tool to allow unlimited eligible follow-up soft credit inquiries without added profile fees.
- Standalone VantageScore 4.0 scores via soft inquiry are priced at $0.99 to enable upfront scoring without hard credit pulls.
- A 2026 Score Choice Bundle will offer VantageScore 4.0 at no cost when lenders obtain a FICO 2 score.
- The move aligns with Federal Housing Finance Agency initiatives to expand VantageScore 4.0 usage in mortgages.

## Questions and answers

### What is Experian Power Profile Plus for Mortgage?

Power Profile Plus is a tool for mortgage lenders that allows follow-up soft credit inquiries and additional score additions without extra credit-profile fees from Experian.

### How much does VantageScore 4.0 cost through Experian?

Experian prices standalone VantageScore 4.0 soft inquiries at $0.99. In 2026, lenders can also receive VantageScore 4.0 at no extra cost when purchasing a FICO 2 score under a bundle offer.

### Why did Experian update its mortgage credit tools?

Experian updated its tools to cut early-stage credit costs for mortgage lenders and align with Federal Housing Finance Agency efforts to modernize mortgage scoring models.