On October 18, 2025, TransUnion (NYSE: TRU) announced today a new suite of mortgage credit offerings that incorporate VantageScore 4.0 built on trended and alternative data. The company positioned the launch as a breakthrough in mortgage credit score pricing, enabling lenders to score 33 million credit‑invisible consumers and offering a significant discount to the traditional FICO score. This move directly expands TransUnion’s mortgage‑related product portfolio and provides a new revenue channel for the company.
The new VantageScore 4.0 model is the first credit score to use 30 months of trended credit data, a unique feature that gives lenders a more complete view of consumer behavior. TransUnion also plans to embed rental, utility tradelines and short‑term lending attributes into the enhanced mortgage credit report, further broadening the data set available to underwriters. By incorporating these alternative data sources, the platform aims to increase financial inclusion and reduce risk for lenders, potentially driving higher loan volumes and margin expansion.
TransUnion reports that 220 million consumers now have direct access to their VantageScore, and the score is already in use by 3,700 U.S. institutions. The company’s new TruIQ™ analytics platform will host the VantageScore data, providing a cloud‑native environment that links third‑party and first‑party data for faster, more accurate underwriting. The integration is expected to accelerate adoption among mortgage lenders and support TransUnion’s broader strategy of expanding into high‑growth mortgage markets.
Looking ahead, TransUnion plans to roll out the full suite of offerings in 2026, with the TruIQ platform serving as the launchpad for additional mortgage‑related products. The company’s announcement signals a strategic shift toward leveraging its data assets to capture a larger share of the mortgage credit market, positioning TransUnion to benefit from the ongoing demand for more inclusive and data‑rich underwriting tools.
The content on BeyondSPX is for informational purposes only and should not be construed as financial or investment advice. We are not financial advisors. Consult with a qualified professional before making any investment decisions. Any actions you take based on information from this site are solely at your own risk.