Key facts
- FICO is preparing a new subscription model for mortgage lenders in 2027.
- The subscription would offer an annual fee for access to FICO scores, paid monthly.
- FICO's Preferred Program offers a flat $10 per-score price for 2027, including FICO 10T and FICO Classic.
- VantageScore 4.0 is priced at $0.99 per score or included with a FICO score purchase.
- TransUnion charges approximately $11 for its credit data in a tri-merge report.
Fair Isaac Corp. (FICO) is reportedly planning a new subscription model for mortgage lenders to be implemented in 2027. This offering would complement its recently introduced Preferred Program. The contemplated subscription structure involves an annual fee, paid monthly, with pricing determined by a lender's prior year volume. FICO has begun discussing this potential model with its partners, according to sources familiar with the matter. The company did not immediately respond to requests for comment.