The VantageScore Model

Empowering lenders to make confident and inclusive lending decisions.


VantageScore is a key driver of financial inclusion and equitable access to mainstream credit. Our models open credit access (and opportunity) to approximately 96% of adults in the U.S.

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 37 million more U.S. adults than previously possible.
  • 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.

VantageScore 4.0 Fact Sheet
Model Performance Assessment
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Who uses this model?

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

  • Auto
  • Personal/Fintech Loans

  • Credit Card
  • Banking

Recently, more lenders utilize more than one credit scoring model to evaluate a borrower's credit worthiness.

Interested in our previous models?

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


VantageScore 1.0 & VantageScore 2.0

Learn More

VantageScore 3.0

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