Pulte's Efforts to Improve Credit Scores Could Lead to Increased Prices, According to Bloomberg
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 25 2025
0mins
Should l Buy EFX?
Credit Score Competition: The Federal Housing Finance Agency is introducing competition to the FICO score in the home-loan market by allowing Fannie Mae and Freddie Mac to back VantageScore Solutions, a FICO alternative.
Impact on Consumers: This shift may lead to a "credit-score war," potentially increasing credit-score prices for consumers as the traditional FICO score faces challenges from VantageScore.
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Analyst Views on EFX
Wall Street analysts forecast EFX stock price to rise
14 Analyst Rating
10 Buy
4 Hold
0 Sell
Moderate Buy
Current: 173.200
Low
195.00
Averages
232.08
High
283.00
Current: 173.200
Low
195.00
Averages
232.08
High
283.00
About EFX
Equifax Inc. is a global data, analytics, and technology company. The Company is engaged in helping financial institutions, companies, employers, and government agencies make critical decisions. The Company’s Workforce Solutions segment provides services enabling customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure and sanctions of people in the United States. The Company’s U.S. Information Solutions (USIS) segment provides consumer and commercial information solutions to businesses in the United States, including online information, decisioning technology solutions, identity management services, analytical services, e-commerce fraud and charge back protection services, portfolio management services, mortgage information and marketing services. The Company’s International segment provides products and services similar to those available in the USIS segment but with variations by geographic region.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Equifax Declares Quarterly Dividend of $0.56 per Share
- Dividend Declaration: Equifax's Board of Directors has declared a quarterly dividend of $0.56 per share, payable on June 15, 2026, to shareholders of record as of May 22, 2026, reflecting the company's strong cash flow and commitment to shareholder returns.
- Long-standing Dividend History: With over 100 consecutive years of cash dividend payments, Equifax demonstrates its stable financial performance and dedication to shareholders, which enhances investor confidence.
- Global Operations: Equifax operates or has investments in 24 countries and employs nearly 15,000 people, indicating its significant global presence and market position in the data, analytics, and technology sectors.
- Economic Contribution: As a global data and analytics company, Equifax plays a crucial role in the economy by providing critical decision-making support to financial institutions and businesses, thereby driving progress and confidence in economic activities.
See More
Shift in Credit Scoring Impacts Homebuying Loans
- Credit Score Update: The government has announced that mortgage lenders can now use VantageScore 4.0 as a new credit scoring standard, which will impact loan approvals by Fannie Mae and Freddie Mac, potentially allowing more consumers to qualify for loans.
- Advantages of New Scoring Models: VantageScore 4.0 and the upcoming FICO 10T will consider rental and utility payment histories, meaning consumers with limited credit reports may benefit from better loan rates due to these additional data points.
- Data Reporting Challenges: Although the new models can utilize rental payment data, only 13% of consumers' rent payments are currently reported to credit bureaus, limiting many renters' opportunities to improve their credit scores and highlighting deficiencies in the credit reporting system.
- Impact of Trended Data: The new scoring models will incorporate trended data based on credit behavior over the past 24 months, allowing lenders to more accurately assess borrowers' credit risks, which will encourage consumers to manage their credit card debt more effectively before applying for mortgages.
See More
Equifax to Participate in Multiple Upcoming Investor Conferences
- Investor Conference Schedule: Equifax will participate in the Baird 2026 Global Consumer, Technology & Services Conference on June 2, 2026, with CEO Mark W. Begor and CFO John Gamble engaging in a Fireside Chat at 10:50 AM, which is expected to attract significant investor interest.
- Live Webcast Invitation: The company invites investors to join the live webcast of the upcoming Fireside Chats, with replays available within 24 hours post-event, enhancing investor engagement and transparency.
- Multiple Conference Participation: CFO John Gamble will attend the Bernstein Annual Strategic Decisions Conference on May 27, 2026, while Senior VP Trevor Burns will participate in several conferences, including the Barclays Americas Select Franchise Conference on May 5, demonstrating the company's commitment to investor communication.
- Global Business Presence: Equifax operates in 24 countries with nearly 15,000 employees, leveraging its unique blend of data, analytics, and cloud technology to assist financial institutions and businesses in making more confident decisions, thereby reinforcing its critical role in the global economy.
See More
Equifax to Participate in Upcoming Investor Conferences
- Investor Conference Schedule: Equifax will participate in several investor conferences in May and June 2026, including the Baird Global Consumer, Technology & Services Conference on June 2, where CEO Mark W. Begor and CFO John Gamble will engage in a Fireside Chat at 10:50 AM, expected to attract significant investor interest.
- Live Webcast Invitation: The company invites investors to join the live webcast of these Fireside Chats on its Investor Relations website, with replays available within 24 hours post-event, aiming to enhance investor engagement and transparency.
- Executive Attendance at Multiple Conferences: CFO John Gamble will attend the Bernstein Annual Strategic Decisions Conference on May 27, while Senior VP Trevor Burns will participate in Barclays, Needham, and J.P. Morgan conferences on May 5, May 14, and June 2 respectively, highlighting the company's commitment to investor communication.
- Global Business Presence: Equifax operates in 24 countries with nearly 15,000 employees, leveraging its unique blend of data, analytics, and cloud technology to assist financial institutions and businesses in making more confident decisions, thereby reinforcing its critical role in the global economy.
See More
Upstart Disrupts Credit Scoring Industry with AI
- Technological Disruption: Upstart leverages artificial intelligence to assess borrowers' creditworthiness by considering over 2,500 variables, resulting in a 43% increase in approval rates without additional defaults, significantly enhancing competitiveness in the auto loan market.
- Loan Performance: Since its inception in 2012, Upstart has originated over 5 million loans totaling more than $50 billion, with 1.5 million loans worth $11 billion issued last year alone, indicating strong market demand and growth potential.
- Profitability Improvement: Upstart reported a net income of over $54 million last year, reversing a $128 million loss in 2024, marking a significant improvement in profitability and positioning the company for continued growth.
- Market Outlook: Despite facing economic headwinds, Upstart's stock is priced at less than 10 times its anticipated per-share profit, reflecting investor confidence in its future growth, especially as traditional credit bureaus struggle with technological challenges.
See More
Upstart Disrupts the Credit Scoring Industry
- Innovative Credit Assessment: Upstart utilizes artificial intelligence to evaluate individual creditworthiness by considering over 2,500 variables, resulting in a 43% increase in loan approval rates without additional defaults, significantly enhancing acceptance among auto dealers.
- Loan Performance Growth: Since its inception in 2012, Upstart has originated over 5 million loans totaling more than $50 billion through over 100 lending partners, with nearly 1.5 million loans worth $11 billion issued last year, demonstrating strong market demand.
- Profitability Recovery: Upstart reported a net income of over $54 million last year, reversing a loss from 2024, indicating the company is achieving sustainable profitability, although growth this year may face economic headwinds.
- Market Competitive Advantage: While traditional credit bureaus like Equifax are launching similar AI-powered products, Upstart maintains a lead due to its ground-up development, making it a compelling growth stock for investors.
See More
Equifax Declares Quarterly Dividend of $0.56 per Share
- Dividend Declaration: Equifax's Board of Directors has declared a quarterly dividend of $0.56 per share, payable on June 15, 2026, to shareholders of record as of May 22, 2026, reflecting the company's strong cash flow and commitment to shareholder returns.
- Long-standing Dividend History: With over 100 consecutive years of cash dividend payments, Equifax demonstrates its stable financial performance and dedication to shareholders, which enhances investor confidence.
- Global Operations: Equifax operates or has investments in 24 countries and employs nearly 15,000 people, indicating its significant global presence and market position in the data, analytics, and technology sectors.
- Economic Contribution: As a global data and analytics company, Equifax plays a crucial role in the economy by providing critical decision-making support to financial institutions and businesses, thereby driving progress and confidence in economic activities.
See More
Shift in Credit Scoring Impacts Homebuying Loans
- Credit Score Update: The government has announced that mortgage lenders can now use VantageScore 4.0 as a new credit scoring standard, which will impact loan approvals by Fannie Mae and Freddie Mac, potentially allowing more consumers to qualify for loans.
- Advantages of New Scoring Models: VantageScore 4.0 and the upcoming FICO 10T will consider rental and utility payment histories, meaning consumers with limited credit reports may benefit from better loan rates due to these additional data points.
- Data Reporting Challenges: Although the new models can utilize rental payment data, only 13% of consumers' rent payments are currently reported to credit bureaus, limiting many renters' opportunities to improve their credit scores and highlighting deficiencies in the credit reporting system.
- Impact of Trended Data: The new scoring models will incorporate trended data based on credit behavior over the past 24 months, allowing lenders to more accurately assess borrowers' credit risks, which will encourage consumers to manage their credit card debt more effectively before applying for mortgages.
See More
Equifax to Participate in Multiple Upcoming Investor Conferences
- Investor Conference Schedule: Equifax will participate in the Baird 2026 Global Consumer, Technology & Services Conference on June 2, 2026, with CEO Mark W. Begor and CFO John Gamble engaging in a Fireside Chat at 10:50 AM, which is expected to attract significant investor interest.
- Live Webcast Invitation: The company invites investors to join the live webcast of the upcoming Fireside Chats, with replays available within 24 hours post-event, enhancing investor engagement and transparency.
- Multiple Conference Participation: CFO John Gamble will attend the Bernstein Annual Strategic Decisions Conference on May 27, 2026, while Senior VP Trevor Burns will participate in several conferences, including the Barclays Americas Select Franchise Conference on May 5, demonstrating the company's commitment to investor communication.
- Global Business Presence: Equifax operates in 24 countries with nearly 15,000 employees, leveraging its unique blend of data, analytics, and cloud technology to assist financial institutions and businesses in making more confident decisions, thereby reinforcing its critical role in the global economy.
See More
Equifax to Participate in Upcoming Investor Conferences
- Investor Conference Schedule: Equifax will participate in several investor conferences in May and June 2026, including the Baird Global Consumer, Technology & Services Conference on June 2, where CEO Mark W. Begor and CFO John Gamble will engage in a Fireside Chat at 10:50 AM, expected to attract significant investor interest.
- Live Webcast Invitation: The company invites investors to join the live webcast of these Fireside Chats on its Investor Relations website, with replays available within 24 hours post-event, aiming to enhance investor engagement and transparency.
- Executive Attendance at Multiple Conferences: CFO John Gamble will attend the Bernstein Annual Strategic Decisions Conference on May 27, while Senior VP Trevor Burns will participate in Barclays, Needham, and J.P. Morgan conferences on May 5, May 14, and June 2 respectively, highlighting the company's commitment to investor communication.
- Global Business Presence: Equifax operates in 24 countries with nearly 15,000 employees, leveraging its unique blend of data, analytics, and cloud technology to assist financial institutions and businesses in making more confident decisions, thereby reinforcing its critical role in the global economy.
See More
Upstart Disrupts Credit Scoring Industry with AI
- Technological Disruption: Upstart leverages artificial intelligence to assess borrowers' creditworthiness by considering over 2,500 variables, resulting in a 43% increase in approval rates without additional defaults, significantly enhancing competitiveness in the auto loan market.
- Loan Performance: Since its inception in 2012, Upstart has originated over 5 million loans totaling more than $50 billion, with 1.5 million loans worth $11 billion issued last year alone, indicating strong market demand and growth potential.
- Profitability Improvement: Upstart reported a net income of over $54 million last year, reversing a $128 million loss in 2024, marking a significant improvement in profitability and positioning the company for continued growth.
- Market Outlook: Despite facing economic headwinds, Upstart's stock is priced at less than 10 times its anticipated per-share profit, reflecting investor confidence in its future growth, especially as traditional credit bureaus struggle with technological challenges.
See More
Upstart Disrupts the Credit Scoring Industry
- Innovative Credit Assessment: Upstart utilizes artificial intelligence to evaluate individual creditworthiness by considering over 2,500 variables, resulting in a 43% increase in loan approval rates without additional defaults, significantly enhancing acceptance among auto dealers.
- Loan Performance Growth: Since its inception in 2012, Upstart has originated over 5 million loans totaling more than $50 billion through over 100 lending partners, with nearly 1.5 million loans worth $11 billion issued last year, demonstrating strong market demand.
- Profitability Recovery: Upstart reported a net income of over $54 million last year, reversing a loss from 2024, indicating the company is achieving sustainable profitability, although growth this year may face economic headwinds.
- Market Competitive Advantage: While traditional credit bureaus like Equifax are launching similar AI-powered products, Upstart maintains a lead due to its ground-up development, making it a compelling growth stock for investors.
See More
