Explore the topics below for information and resources that can help you better understand and improve your credit score.
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.
Your credit report is all of the credit-related data a Nationwide Consumer Reporting Agency (NCRA) has gathered about you from different sources.
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).
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).
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 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:
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.
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.
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.
Our scoring model is built on rigorous research and extensive data analysis, ensuring a fair and consistent evaluation of your creditworthiness across lenders and credit bureaus.
We believe in giving everyone a fair chance to access credit. Our scoring model embraces alternative credit data, such as rent and utility payments, to provide a more accurate representation of your creditworthiness, even if you have a limited credit history.
We're not just about providing a credit score. Our website offers a wealth of educational resources and tools to help you understand and improve your credit health. From credit-building tips to personalized recommendations, we're here to support your journey toward financial success.
VantageScore is recognized and accepted by thousands of lenders, including major financial institutions, credit card issuers, and mortgage lenders. When you use VantageScore, you have a credit score that speaks the same language as lenders across the country.
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 3,400 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.
largest banks in the United States use VantageScore
VantageScore credit scores used in 2023
yearly increase in 2023 VantageScore usage
Consumers have free access to their VantageScore credit scores
largest financial institutions are active users of VantageScore CreditGauge™
in ABS issuances using VantageScore in 2023