Empowering You to Achieve Your Financial Dreams
Do You Know Your Credit Score?
Welcome to VantageScore®
What sets VantageScore apart is our commitment to financial inclusion and innovation. We have developed a cutting-edge credit scoring model that takes into account a broader range of credit data, allowing for a more comprehensive evaluation of your creditworthiness. By leveraging advanced analytics and machine learning techniques, we provide a more
accurate and predictive credit score for more than 33 million consumers that conventional models consider “credit invisibles.” This empowers you to make informed financial decisions and gain greater access to credit.
Consumer Credit Tools & Resources
Understanding your VantageScore Credit Score
- Your VantageScore credit score is based on the data in your credit reports with each of the three credit bureaus, Equifax, Experian, and TransUnion.
- Financial institutions often pull your VantageScore credit score to assess the risk in lending to you.
- A high VantageScore credit score indicates lower risk, increases your odds of credit card and loan approval, and helps you secure lower interest rates.
The VantageScore Impact
Over 3,400 banks, fin-techs and other companies use VantageScore credit scores every day to assess consumer creditworthiness. Last year, over 27 billion VantageScore credit scores were used representing a 42% yearly increase. Most top 10 US banks, large credit unions and leading fin-techs use VantageScore credit scores in one or more lines of business including credit cards, auto loans, personal loans and more.
How VantageScore Benefits You
VantageScore Is Trusted By
Credit Score Transparency
VantageScore revolutionized the credit industry by being the pioneer in offering free credit scores and promoting transparency in credit scoring through comprehensive consumer education.
We provide easily accessible educational materials, resources, and valuable credit tips designed to empower consumers in enhancing their credit health.
Increasing Consumer Education
More than 220 million consumers check their free VantageScore credit report regularly to become more financially empowered and educated.
Thousands of lenders use billions of VantageScore credit scores annually to make lending decisions.
Expanding Financial Inclusion
Consistent Credit Scoring
Have you ever wondered why your three credit scores are often so dramatically different? With VantageScore, our models are the same regardless of which credit bureau provides them, which means our credit scores are less likely to be different.