Experian® today announced enhancements to its award-winning Power Profile Plus™ for Mortgage solution. Through the new enhancements, lenders and loan officers can reduce early-stage credit costs with the speed, simplicity and score flexibility they need to support consumers on their path to homeownership.

Power Profile Plus delivers a full Experian credit profile with VantageScore1 4.0 through a soft inquiry, giving lenders comprehensive credit insight and a score upfront without requiring a hard inquiry at the beginning of the mortgage journey. With Experian’s latest enhancements to the solution, lenders can now request unlimited eligible follow-up soft inquiries during the application and qualification period, and add additional scores at the lender’s discretion, without an additional Experian credit-profile charge.

“As the mortgage industry expands its use of modern credit scores, our focus is on making that transition cost-effective and easy to implement,” said Michele Bodda, Group President of Experian Housing, Verification Solutions and Employer Services. “Our clients have told us they need a full credit profile and a score up front to assess consumers quickly and confidently. Experian’s Power Profile Plus enhancements deliver decision-ready insights while lowering early-stage costs. This creates a simpler path to VantageScore adoption and helps lenders make more-informed decisions that can ultimately support more consumers on the path to homeownership.”

The enhanced Power Profile Plus workflow

Power Profile Plus provides a straightforward mortgage credit journey:

  1. Start with the full Experian credit profile and VantageScore 4.0. The information is delivered through a soft inquiry, allowing the lender to assess the consumer before moving to a hard inquiry.

  2. Revisit the profile as needed. The lender may request unlimited eligible follow-up soft inquiries during the application and qualification period without another Experian credit-profile charge.

  3. Evaluate the FICO Score2 as needed. If the lender chooses to assess a FICO® Score, the applicable score charge applies, but Experian does not charge again for the underlying credit profile.

  4. Move forward when ready. When the borrower and lender are ready to proceed, the lender can move from a soft inquiry to a hard inquiry and continue toward underwriting. Standard hard-pull credit-report and score pricing applies.

Supporting the shift to modern mortgage scoring

The announcement follows the Federal Housing Finance Agency’s expansion of VantageScore 4.0 availability to all approved Fannie Mae and Freddie Mac lenders. The change gives more lenders the opportunity to evaluate modern scoring models as the mortgage industry works to improve affordability, expand score choice and responsibly broaden access to homeownership.

A consumer-friendly experience

The Power Profile Plus enhancements come as consumers increasingly expect lenders to consider a broader picture of their financial lives. Experian research found one-third of consumers would actively seek out a new lender if they learned their current lender relied on legacy credit-scoring models that do not incorporate rent and utility payments, while 52% said they’d be more interested in pursuing homeownership if lenders considered additional positive payment history when evaluating mortgage applications. 3

Power Profile Plus allows lenders to assess consumers using the full Experian credit profile through a soft inquiry. This can help consumers explore mortgage eligibility and potential options without beginning the process with a hard inquiry while enabling lenders to work more effectively with borrowers during the qualification period.

Expanding lender choice while managing costs

Experian’s broader mortgage scoring strategy gives lenders additional ways to manage costs and evaluate modern scoring models.

VantageScore 4.0 is available as a standalone mortgage origination score for $0.99. In addition, through the Experian Score Choice Bundle, lenders can access VantageScore 4.0 and FICO® Score 2 in a single transaction, with VantageScore 4.0 available at no cost when a FICO Score is obtained in 2026.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and platforms. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian. Other product or company names mentioned herein are the property of their respective owners.

1 VantageScore is a registered trademark of VantageScore Solutions, LLC.

2 FICO is a registered trademark of Fair Isaac Corporation.

3 Methodology: Experian commissioned Atomik Research to conduct an online survey of 2,000 adults age 18+ in the United States. The margin of error for the overall sample is +/- 2.2 percentage points with a confidence level of 95 percent. Fieldwork took place between July 16 and July 21, 2026.

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