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Do You Know Your VantageScore Credit Score?
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Explore the topics below for information and resources that can help you better understand and improve your credit score.
Understand Your Credit Score
What is Credit?
Credit is your ability to borrow money or enter into agreements based on an understanding that you'll pay the money or obligation back later.
What is a Credit Report?
Your credit report is all of the credit-related data a Nationwide Consumer Reporting Agency (NCRA) has gathered about you from different sources.
What is a Credit Score?
Your credit score is used to assess your likelihood of defaulting on payments you owe (i.e., going 90 days or more without paying a debt obligation).
See Your Score Changing?
Your credit score is used to assess your likelihood of defaulting on payments you owe (i.e., going 90 days or more without paying a debt obligation).
How Credit Scores Work
Build Your Credit
The first step to getting a credit score is ensuring you have a credit file. For consumers who are new to credit or who haven't used credit for a while it can be challenging getting on the first rung of the ladder. Thankfully there are services available that help you establish a credit file and build on your credit file.
Build Your Credit
Reason Codes
Reason codes are standardized alphanumeric identifiers that provide an explanation for various events, actions, or outcomes. The next time you see your credit score, regardless of where it comes from, look for the Reason Codes.
They will use language similar to this example:
Reason Codes
Student Loan Repayment Info
Navigating the world of student loan repayment can be a complex and sometimes overwhelming journey. Whether you're a current borrower seeking guidance on repayment or simply looking for the latest updates in the realm of student loan policies and relief measures, we'v got you covered with the information you need.
Student Loan Repayment Info
Consumer FAQs
Discover answers to your most frequent credit questions! Our Consumers FAQs page provides you with the information you need to understand your credit data, score, and options.
Consumer FAQs
Test Your Knowledge
Credit scores are important tools to unlock financial milestones. How much do you know about your credit score?
Maintain a strong credit score by reviewing our educational materials and tools designed to help you stay on top of your credit score and keep you in the driver's seat of your financial future.
Credit Score Quiz
How VantageScore Benefits You
At VantageScore, we believe that everyone deserves a fair and accurate credit assessment. That's why we've revolutionized the credit scoring industry, providing consumers like you with a more comprehensive and reliable way to understand and manage your creditworthiness.
Accuracy and Consistency
Our scoring model is built on rigorous research and extensive data analysis, ensuring a fair and consistent evaluation of your creditworthiness across lenders and credit bureaus.
Greater Financial Inclusion
We believe in giving everyone a fair chance to access credit. Our scoring model embraces alternative credit data, such as rent and utility payments, to provide a more accurate representation of your creditworthiness, even if you have a limited credit history.
Educational Resources
We're not just about providing a credit score. Our website offers a wealth of educational resources and tools to help you understand and improve your credit health. From credit-building tips to personalized recommendations, we're here to support your journey toward financial success.
Lender Acceptance
VantageScore is recognized and accepted by thousands of lenders, including major financial institutions, credit card issuers, and mortgage lenders. When you use VantageScore, you have a credit score that speaks the same language as lenders across the country.
VantageScore credit scores are used every day
3700 +
Banks, fintechs and other companies use VantageScore credit scores every day to assess consumer creditworthiness.
VantageScore is the fastest growing credit scoring company in the U.S., developing the industry's most innovative, predictive, and inclusive credit score models. More than 3,700 institutions use VantageScore credit scores to provide consumer credit products like credit cards, auto loans, personal loans and mortgages.
Starting in 2025, the FHFA has required VantageScore credit scores to be used for all mortgages sold to, or guaranteed by, Fannie Mae and Freddie Mac. Get started using VantageScore credit scores today - the leader in predictive power and financial inclusion.
42 Billion
VantageScore credit scores used in 2024
55%
yearly increase in 2024 VantageScore usage
$13.4 Billion
in ABS issuances using VantageScore in 2024
All top 10
banks use VantageScore credit-scores or digital tools in one or more lines of business
220 Million
Consumers have free access to their VantageScore credit scores
Creditgauge Report
June 26, 2025Rising Mortgage Delinquencies Point to Potential Credit Stress: May 2025 VantageScore CreditGauge™
In The News
June 20, 2025VantageScore Data Shows That Rent Reporting Can Positively Impact Credit Score: The New York Times
