Equifax's 15min chart shows MACD Death Cross, KDJ Death Cross, and Bearish Marubozu signals.

Based on the 15-minute chart of Equifax, a convergence of bearish indicators has occurred, specifically a MACD Death Cross, KDJ Death Cross, and a Bearish Marubozu at 10/08/2025 13:30. This suggests that the stock price has a high likelihood of continuing to decline, with a shift in momentum towards the downside and a potential further decrease in value. The sellers are currently in control of the market, and there is a strong indication that bearish momentum will persist.

Equifax Inc. (EFX) has launched a counterattack against Fair Isaac Corporation (FICO) by offering VantageScore 4.0 at a reduced rate of $4.50 per score for the next two years. This move aims to capture market share in the credit scoring industry and respond to FICO's recent price hike for its mortgage credit scores Equifax Strikes Back in Battle of the Credit Scores. Fair Isaac Stock Tumbles.^[1].

Equifax's strategic pricing move comes less than a week after FICO announced it would bypass the three major credit bureaus and distribute FICO scores directly to mortgage lenders. The new pricing model for FICO scores ranges from $10 per score to $4.95 plus $33 for each completed loan. In contrast, Equifax is offering VantageScore 4.0 at a significantly lower rate, with the added benefit of free VantageScore scores for customers who purchase FICO scores in 2025 and 2026 Equifax Strikes Back in Battle of the Credit Scores. Fair Isaac Stock Tumbles.^[1].

The market's initial reaction to Equifax's announcement was mixed. Fair Isaac stock fell 3.6% in premarket trading, while Equifax stock rose 2.6%. Fellow credit bureaus TransUnion and Experian also saw gains, with increases of 1.1% and 2.2% respectively. Analysts at BMO Capital Markets estimate that FICO maintains a mid-to-high 90% market share, and the free bundles and discounts offered by Equifax may test FICO's grip on the credit-scoring space Equifax Strikes Back in Battle of the Credit Scores. Fair Isaac Stock Tumbles.^[1].

Equifax's move is part of a broader strategy to challenge FICO's dominance and reclaim some of the markup lost due to FICO's direct licensing approach. VantageScore, a joint venture of the three major credit bureaus, has seen muted adoption in the past, but the recent announcement may boost its usage. The move is also an attempt to attract resellers, who buy and sell mortgages, and encourage them to switch to VantageScore 4.0 Equifax Strikes Back in Battle of the Credit Scores. Fair Isaac Stock Tumbles.^[1].

Despite the competitive pricing, the market remains uncertain about the impact of Equifax's counterattack. While Fair Isaac's stock has seen a 20% increase since its pricing announcement last Thursday, Equifax's stock remains down 3.8%. The company's financial health is characterized by steady revenue growth and robust profitability metrics, with a 4.5% 3-year CAGR, an operating margin of 18.52%, and a net margin of 10.95% Equifax (EFX) Challenges FICO with Competitive Pricing Strategy^[2].

Investors should closely monitor the market's reaction to Equifax's move and assess the potential impact on FICO's market share and pricing strategy. The competitive landscape of the credit scoring industry and regulatory changes may also influence the stock prices of Equifax and other major credit bureaus.