About VantageScore

Breaking Barriers in the Credit Score Space


Founded by Experian, Equifax, and TransUnion in 2006, our mission is to use data analytics to drive innovation and inclusion—giving consumers more credit access, and helping lenders make better lending decisions.

Millions of consumers use our scores to track their creditworthiness and monitor their credit health. Thousands of lenders use billions of VantageScore scores each year to enable more borrowers to access the credit they need.

With the ability to score approximately 96% of the U.S. adult population, VantageScore is a key driver of equitable access to mainstream credit.

Our Mission



VantageScore is committed to:

  • Leverage data analytics, innovation and collaboration in the development of credit-decision models.
  • Provide easy-to-understand education to help consumers improve their credit health.
  • Expand credit access and increase inclusivity by scoring more consumers.

  • Allow lenders and other market participants to benefit from advanced credit-scoring models.

VantageScore Model

Our Credit Scores are Used By


More than

0

Financial Institutions
0

of the 10
Largest Banks
0

of the 100
Largest Credit Unions

Over 3 billion VantageScore credit scores have been provided to consumers—helping them become more financially empowered.

0
Billion

VANTAGESCORES USED FROM MARCH 2021 - FEBRUARY 2022

0
Billion

VANTAGESCORES PROVIDED BY CONSUMER WEBSITES

0
Billion

VANTAGESCORES USED BY CREDIT-CARD ISSUERS

VantageScore Solutions is an independently managed company that holds the intellectual property rights to the VantageScore credit scoring model. We do not market the VantageScore model, sell credit scores or manage credit report data. Independent licensing agreements managed through VantageScore Solutions allow Equifax, Experian and TransUnion to market the model and sell VantageScore credit scores.