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VantageScore 4.0
Empowering lenders to open credit access (and opportunity) to approximately 94% of adults in the U.S.
What is VantageScore 4.0?
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.
Data scientists at VantageScore use machine learning to look closer into the credit histories of consumers often overlooked by lenders due to a lack of credit history. Machine learning—a type of AI that lets computers learn from data, identify patterns and automatically make decisions—was used to develop VantageScore's model.
The result? Ever-increasing performance of the model and greater ability to score more consumers:
LIFT FOR USERS WITH DORMANT CREDIT HISTORIES
LIFT FOR USERS WITH 'NO TRADES'
It's a catch-22: Conventional models require you to use credit to have credit.
And then your score goes down because you've used too much. VantageScore is the first and only tri-bureau credit-scoring model to incorporate trended credit data to help consumers avoid these traps.
Trended credit data reflects changes in credit behaviors over time, rather than relying (as other models do) on static, individual credit-history records which reflect only one point-in-time.
Our models provide deeper insight into borrowing and payment patterns; delivering a 20% originations' lift, particularly among consumers in Prime and Superprime credit-score bands
VantageScore credit scores are used every day
3400 +
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.
8 of the top 10
largest banks in the United States use VantageScore
27 Billion
VantageScore credit scores used in 2023
42%
yearly increase in 2023 VantageScore usage
220 Million
Consumers have free access to their VantageScore credit scores
9 of the top 10
largest financial institutions are active users of VantageScore CreditGauge™
$11.5 Billion
in ABS issuances using VantageScore in 2023
VantageScore 4.0 Migration Playbook
Mortgage Migration Playbook
Financial Inclusion and Equity in Credit Scoring Whitepaper
Market Adoption Whitepaper
Machine Learning Whitepaper
Trended Credit Data
