Shares of Fair Isaac Corp., Equifax Inc. and Trans Union tumbled on Friday after Federal Housing Finance Agency Director Bill Pulte renewed his long-standing criticism of the costs of consumer credit scores.

“Equifax, Experian, and Trans Union have been overcharging Americans for far too long,” Pulte said in a post on X on Thursday, adding that “this will end soon.” The post sent Fair Isaac, the analytics company behind so-called FICO scores, tumbling as much as 21%, the biggest drop since March 2020, to the lowest since late April. Equifax and Trans Union both fell as much as 11%.

The government was considering “bi-merge, and stronger solutions,” he added. A bi-merge credit report uses data and scores from two major credit bureaus instead of three, cutting the number of reports sold. In a second post he added that he was instructing mortgage-finance giants Fannie Mae and Freddie Mac to “approve all lenders to use Vantage Score,” a rival to FICO. On Friday, Pulte said they were also “studying the usage of just one credit report to bring even more savings than we already have to American consumers.”

Trashing the affordability of credit scores has been a consistent theme for Pulte, and his comments caused shares of Fair Isaac and the credit rating companies to swing multiple times in the past. Last year, Pulte had upended the system when he decided that FICO scores would get competition from Vantage Score Solutions LLC. The government’s housing agencies also previously tried to pull down home-loan rates by moving to buy up mortgage-backed securities, only to see rates continue to climb on the back of rising Treasury yields, a trend that has vexed the Trump administration.