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. 

More than 2,500 unique users of VantageScore credit scores, including 2,200 financial institutions. 12.3 billion VantageScores were used from June 2018 - July 2019. With VantageScore you too can represent 96% of the population in your underwriting. 


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 96% of the U.S. population—including 37 million more individuals than covered by traditional scoring methods.