Consumers

Why VantageScore?

Learn the reasons why we are the most consistent, predictive and easy-to-understand credit scoring model.

Why VantageScore?

Introduced in 2006, VantageScore continues to be one of the most consistent, highly predictive and easiest-to-understand credit scoring models out there.

With a VantageScore credit score, borrowers can gain access to the most appropriate credit terms at the fairest rates and can easily understand their creditworthiness. Additionally, VantageScore provides easy-to-understand reason codes with educational tips; giving consumers a more transparent view into what is impacting their credit score.


Accuracy and Consistency Recognized by Federal Regulators

Thousands of lenders, including 9 of the top 10 largest banks, use the VantageScore model. Plus, its use across all major credit categories has been recognized by the top regulators:

Consumer Financial Protection Bureau (CFPB), Federal Financial Institutions Examination Council (FFIEC),Federal Housing Finance Agency (FHFA),Federal Trade Commission (FTC), Office of the Comptroller of the Currency (OCC), Department of Housing and Urban Development (HUD), Federal Housing Administration (FHA),Federal Reserve Board (FRB),National Credit Union Administration (NCUA), Securities and Exchange Commission (SEC)


12.3+ Billion

VantageScore credit scores used July 2018 - June 2019

3+ Billion

VantageScore credit scores provided by consumer websites

4+ Billion

VantageScore credit scores used by card issuers