Let us know who you are
Do You Know Your VantageScore Credit Score?
Get Your Free Credit Score
Empowering You to Achieve Your Financial Dreams
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).
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.
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:
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.
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.
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.
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.
VantageScore credit scores are used every day
0 +
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.
In The News
June 20, 2025VantageScore Data Shows That Rent Reporting Can Positively Impact Credit Score: The New York Times
In The News
June 6, 2025Why Are US Consumers Boosting Credit Usage? VantageScore CEO on Yahoo! Finance
