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About VantageScore
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VantageScore's mission is to be the leading credit modeling company, delivering the most predictive, innovative and inclusive tri-bureau models and attributes in the US market - expanding consumer credit access and helping lenders make better lending decisions.
VantageScore is the leading credit score modeling and analytics company for innovation and financial inclusion. By scoring more consumers and helping them understand and access credit, VantageScore delivers positive outcomes for lenders and consumers alike.
VantageScore develops models that enable lenders to analyze consumers' creditworthiness more systematically than conventional scoring models, expanding the universe of eligible borrowers.
Launched in 2006, VantageScore is an independently managed joint venture of the nation's three Nationwide Consumer Reporting Agencies (NCRAs) – Equifax, Experian and TransUnion.
Offering the Proverbial Win-Win
VantageScore develops consumer credit scoring models that combine the need for reliable predictive performance across all scoring ranges with the goal of responsibly expanding access to credit.
Expansive Footprint
More than 3,400 institutions used 27 billion+ VantageScore credit scores in 2023.
Financial Inclusion
The VantageScore 4.0 model scores approximately 94 percent of all adults 18 and older - including 33 million more people than conventional models - without sacrificing safety and soundness. As a result, lenders utilizing VantageScore can extend credit to a broader spectrum of creditworthy people. A Win-Win for Lenders and Consumers
Consumer Education
Tens of millions of consumers utilize VantageScore credit scores to monitor their personal credit status.
We Score More People
Our state-of-the-art data analytics help lenders reach the broadest spectrum of creditworthy people.
Make The World Financially Inclusive
Because financial opportunities should be accessible to all.
VantageScore 4.0 Outperforms
VantageScore 4.0 outperforms prior versions of VantageScore models as well as other benchmark national credit reporting agency (NCRA) scoring models within Originations and Account Management.
Trended Data Drives Performance
VantageScore 4.0's use of trended attributes has brought significant predictive performance improvements within both the lower and higher scoring credit origination segments.
Score Consistency Retained
Aided by the proprietary VantageScore attribute leveling process, we are uniquely capable of maintaining a high level of score consistency across the NCRA's. VantageScore’s proprietary attribute leveling process allows for a high level of score consistency across the NCRAs.
Unbiased Results
VantageScore 4.0 provides unbiased, consistent results across the credit spectrum.
2024
Market Adoption - Record Growth (Jan 2023-Dec 2023)
- Over 27 billion VantageScore credit scores used.
- 42% increase from prior year.
- Over 3,400 banks, fintechs and other companies use VantageScore credit scores.
Introduced VantageScore 4plus™ leveraging consumer-permissioned open banking data to boost predictive power for lenders.VantageScore 4.0 Model Attributes introduced the power of custom models and scoring solutions, enabling more effective credit decisions.VantageScore Continued Growth in Capital Markets
$13.4 Billion of Asset-Backed Securities (ABS) issuances utilizing VantageScore.2023
MarketGain™ launched to help lenders identify potential addressable markets by converting to VantageScore 4.0VantageScore removed all medical collections (paid and unpaid) from VantageScore 3.0 and 4.0 models.VantageScore in the News
VantageScore recognized by the White House as an industry leader in innovation.Market Adoption Surged (Jan 2022-Dec 2022)
- Over 19 billion VantageScore credit scores used.
- +30% increase from prior year.
- Over 3,000 banks, fintechs and other companies utilized VantageScore credit scores.
VantageScore Built Strong Momentum in Capital Markets
$11.5 Billion of Asset-Backed Securities (ABS) issuances using VantageScore.2022
Leading in Transparency: Launch of VantageScore Digital Tools
New Era for the Mortgage Industry
FHFA announced a mandate that all GSE-funded mortgage loans must use VantageScore 4.0 credit scores.Breaking Through
$10.3 Billion of Asset Backed Securities issuances utilized VantageScore.2017
Arrival of VantageScore 4.0
Revolutionary model scores approximately 33 million more people than conventional competitors and was the first credit score to incorporate trended credit data, the first to include NCAP changes, and the first to leverage machine learning.2013
VantageScore 3.0 Released
Scoring approximately 30 million more consumers than competitors, was the first to eliminate paid collections and reduce the impact of unpaid medical collections, and the first to introduce consumer-friendly interpretations of reason codes.2012
VantageScore 2.0
Optimized for post-recession performance, utilized input from 45 million credit files (double the previous model), and blended data from two time frames to improve predictiveness.2009
Pressure Tested
VantageScore 1.0 performed well through Great Recession.2006
Development and implementation of VantageScore 1.0
The only tri-bureau model developed jointly by the three Nationwide Credit Reporting Agencies (NCRAs): Equifax, Experian and TransUnion.VantageScore 1.0
Scores approximately 15 million more consumers and was the first to incorporate rent, telco and utility data.