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Enabling Financial Inclusion

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VantageScore has revolutionized the credit scoring marketplace for lenders by leveraging advanced data analytics to make access to credit more equitable.

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.

Key Benefits


VantageScore is widely used across lender types and across loan products for its best-in-class inclusivity and predictive performance. 

SCORES 96% OF ADULTS IN THE USA USING EMPERICALLY DRIVEN INSIGHTS AND ADVANCED ANALYTICS

Leverages the latest in data innovation to drive best in class predictive performance

ACCESSIBLE BY OVER 220 MILLION CONSUMERS

MARKET LEADING TRANSPARENCY AND GOVERNANCE

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Credit Insights



VantageScore updates consumer credit insights on a monthly basis.

Lenders and other market participants can leverage our monthly key metrics that reflect the status of U.S. consumer credit trends and credit scores calculated with our models. 


Explore more consumer credit insights to understand these trends.


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BILLION

VANTAGESCORES USED FROM JULY 2018 - JUNE 2019

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BILLION

VANTAGESCORES PROVIDED BY CONSUMER WEBSITES

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BILLION

VANTAGESCORES USED BY CREDIT-CARD ISSUERS

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Get advanced analytic updates and the latest in how consumer-permissioned data will revolutionize credit decisions 

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Putting the "S" in ESG


Lenders that use VantageScore demonstrate social awareness by extending credit to creditworthy consumers historically underserved. Securitizations that cite VantageScore are recognized for high levels of accuracy and transparency combined with inclusivity, safety and soundness.

  • Cover underserved and mainstream consumers

  • Provide loan-level access

  • Offer comparable performance

  • Enable rigorous surveillance processes

  • Acheive ratings agency recognition

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