How to Be Inclusive...AND Transparent with Reason Codes

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VantageScore Lender Adoption Surges

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Oliver Wyman Releases Annual VantageScore Market Adoption Report

Usage grows by 20% year over year

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Credit Insights



VantageScore updates consumer credit insights on a monthly basis.

A monthly update of key metrics that reflect the status of U.S. consumer credit trends and credit scores is calculated with our models for lenders and other market participants.


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Key Benefits


VantageScore is widely used across lender types and across loan products for its greater inclusivity and superior predictive performance. Scores are easily accessible for free by millions of consumers who rely on their VantageScore for a greater understanding of their credit health.

ENABLES FINANCIAL INCLUSION

BEST-IN-CLASS PREDICTIVE PERFORMANCE

CONSISTENCY ACROSS ALL THREE BUREAUS

MARKET LEADING TRANSPARENCY AND GOVERNANCE
Since 2006, VantageScore’s leveraged data analytics to make access to credit more equitable.
There are more than 2,500 unique users of VantageScore credit scores, including 2,200 financial institutions. Credit card issuers and banks and thrifts accounted for over half (52%) of all usage of VantageScore credit scores. Nine of the 10 largest banks and 29 of the 100 largest credit unions used VantageScore credit scores in one or more lines of business.

Popular Research


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How VantageScore leverages machine learning to score millions more consumers
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The Data You Need


VantageScore’s credit bureau information library offers a wealth of actionable insights and information collateral, whitepapers, model implementation strategies, guidebooks and more.
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