Research


Investors and issuers can leverage a more predictive and accurate credit score with a VantageScore model to reduce risk and costs when issuing and rating securities. 

Thousands of users including over 1,800 financial institutions, used a total of approximately 19 Billion VantageScore credit scores in 2022 representing a 30% increase over 2021. Approximately over 1 Billion scores were used for underwriting/account opening decisions. Overall 6 of the top 10 largest banks, 55 of the 100 largest credit unions and many of the largest Fintech’s in the United States use VantageScore credit scores in one of more lines of business.


See for yourself by exploring the consumer data below.

credit researching

Research and Thought Leadership



From credit risk to ESG, VantageScore conducts extensive research and publishes its findings to help capital markets’ participants better represent their constituents.


We are committed to the transparency of VantageScore models and performance. Stay abreast of current credit-related issues with our ongoing assessments of model drivers.  Together we can affect positive change in the way consumer lending and securitization is managed.

Explore the VantageScore consumer credit insights and trends to get insight into the consumer credit-score landscape across approximately 94% of the U.S. population—including 33 million more individuals than covered by traditional scoring methods.