VantageScore Models

Empowering Lenders

VantageScore is a key driver of financial inclusion and equitable access to mainstream credit. Our models open credit access (and opportunity) to approximately 94% of adults in the U.S.

VantageScore 4.0 Model

VantageScore 4.0 is the latest tri-bureau credit scoring model from VantageScore. This version has added features that make it possible to score 33 million more U.S. adults than previously possible.
VantageScore 4.0 Fact Sheet
VantageScore 4.0 User Guide
Model Performance Assessment

Model Highlights

  • Machine Learning Technology
    Computers learn from financial data, identify patterns and generate credit scores automatically. Machine learning is giving consumers more credit access than ever before—and giving lenders more opportunities to serve them.
  • Trended Credit Data
    VantageScore 4.0 is the first and only credit scoring system that examines consumer credit behavior over a period of time, instead of via a simple snapshot. By doing so, lenders make more confident decisions.
  • Score Consistency Retained
    Aided by the proprietary VantageScore attribute leveling process, a high level of score consistency across the CRCs is maintained. VantageScore 4.0 continues to provide the most consistent scores of all the VantageScore models.

Who Uses VantageScore?

Because VantageScore 4.0 offers predictive performance lift across all credit industries, lenders prefer our credit scoring model.

Starting in 2024 the FHFA has required VantageScore credit scores to be used for all mortgages sold to, or guaranteed by, Fannie Mae and Freddie Mac

Together, we can build a stronger and more inclusive lending ecosystem.

Start Using VantageScore 4.0

Interested in Our Previous Models?

Learn how the VantageScore model has evolved since its original inception in 2007.

Whitepapers & Resources

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Machine Learning & VantageScore 4.0

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analyzing data
Trended Credit Data

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2023 Market Adoption

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Credit Scoring and Financial Inclusion

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