Our Mission

VantageScore’s mission is to be the leading credit modeling company delivering the most predictive, most innovative and most inclusive tri-bureau models and attributes in the US market – giving consumers more credit access, and helping lenders make better lending decision.

Who We Are

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 is driving positive outcome for consumer credit industry stakeholders across the spectrum, and particularly for consumers that have traditionally been underserved.

By developing models that enable lenders to understand consumers’ credit worthiness more accurately than other scoring models currently available in the marketplace while expanding the universe of eligible borrowers – we represent the proverbial win-win for lenders and consumers alike.

Launched in 2006, VantageScore is an independently managed joint venture of the nation’s three Nationwide Consumer Reporting Agencies (NCRAs) – Equifax, Experian and TransUnion.

Meet Our Leadership Team

Our Principles

Offering the Proverbial Win-Win
VantageScore develops consumer credit scoring models that combine the need for both dependable predictiveness across all scoring ranges and to expand access to credit equitably.
Financial Inclusion
The company’s most recent 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 using VantageScore can extend credit to those who have been historically marginalized, including minority and lower-to-middle income Americans.
Expansive Footprint
VantageScore credit scores are used by thousands of lenders, landlords, utility companies, telecom companies, including nine of the top ten largest banks and many others to determine creditworthiness. More than 3,000 lenders and other industry participants used more than 19 billion VantageScore credit scores in 2022, a 30% increase from the prior year.
Consumer Education
Tens of millions of consumers rely on free access to their VantageScore credit scores to monitor their own creditworthiness.
We Score More People
because everyone deserves fair and equitable access to credit.
We Make the World
more financially inclusive.
We Are
(D)iverse. (E)quitable & (I)nclusive. We embody these traits wholeheartedly and believe every human deserves equal access to opportunity and to be seen and heard.

Predictive Models & Attributes

In keeping with the company's mission to promote transparency and aid in model governance, VantageScore publishes the results of its model assessments annually so that lenders and policy makers have confidence that the credit scores used to make loan decisions are predictive, consistent, and fair.

Model Assessment
  • VantageScore 4.0 Outperforms
    VantageScore 4.0 outperforms prior versions of VantageScore models as well as other benchmark credit reporting company (CRC) 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, a high level of score consistency across the CRC's is maintained. VantageScore’s proprietary attribute leveling process allows for a high level of score consistency across the CRCs.
  • Unbiased Results
    VantageScore 4.0 continues to provide unbiased, consistent results across ethnic groups and across the credit spectrum.

Innovation Timeline

2023
Image
MarketGainTM launched to help lenders identify potential addressable market by converting to VantageScore 4.0
VantageScore removes 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 Surges (Jan 2022-Dec 2022)
  • Over 19 billion VantageScore credit scores used.
  • +30% increase from prior year.
  • Over 3,000 banks, fin-techs and other companies use VantageScore credit scores.
VantageScore Builds Strong Momentum in Capital Markets
$5.6 Billion of Asset-Backed Securities (ABS) issuances using VantageScore May YTD, with more planned.
2022
Image
Leading in Transparency: Launch of VantageScore Digital Tools
New Era for the Mortgage Industry
FHFA announces a mandate that all GSE-funded mortgage loans must use VantageScore 4.0 credit scores.
Breaking Through
$11.5 Billion of Asset Backed Securities issuances use VantageScore.
2021
Image

New Leadership
VantageScore Appoints Silvio Tavares as President and CEO.

2017
Image

VantageScore 4.0 Arrives
Scores approximately 33 million more consumers, and is the FIRST and ONLY to incorporate trended credit data, the FIRST to include NCAP changes and the FIRST to leverage machine learning.

2013
Image

VantageScore 3.0 Released
Scores approximately 30 million more consumers, is 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
Image

VantageScore 2.0
Optimized for post-recession performance, blends data from two time frames and developed on 45 million credit files (about double the previous model) for greater predictiveness.

2009
Image
Pressure Tested
VantageScore 1.0 continues to rank order and performs well through Great Recession.
2006
Image
VantageScore Arrives
The FIRST tri-bureau model developed jointly by the three Nationwide Credit Reporting Agencies (NCRAs): Equifax, Experian and TransUnion.
VantageScore 1.0 Is Launched
Scores approximately 15 million more consumers and is the FIRST to incorporate rent, telco and utility data.
Image

Expanding Financial Inclusion

VantageScore’s mission is to score more consumers so they can get access to the credit they deserve in a safe and sound manner. Millions of consumers are “credit invisible” to conventional models. At VantageScore, we see YOU and score you clearly.
Learn More

Curated Resources

Image
Join the VantageScore Team!

Search Careers
Image
Start Using VantageScore

Learn How to Implement
Image
Media Relations

Contact Us