Learn how VantageScore® ensures consistency in score outcomes for different race and ethnicity groups

Testing for Statistical Bias:

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How many consumers lack conventional credit scores in your district?

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Enabling Financial Inclusion Through Innovation and Credit Score Competition

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The Data You Need to Make Your Decision

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More Inclusive Credit Scores for Mortgages Supported in Regulator Listening Session

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Alternative data demonstrated to provide material benefits for consumers with limited credit histories
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Who’s scoreable and who’s not? Why millions of minority borrowers lack conventional credit scores
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How VantageScore leverages machine learning to score millions more consumers
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Opportunities for Fair Lending


Lenders are able to extend credit safely and soundly to consumers historically underserved by legacy processes with VantageScore models -- which are proven to provide a fair and accurate credit score to 96% of the population.

Newly scoreable Scores 620+
African American 5.5 Million 1.3 Million
Hispanic American 5.2 Million 1.7 Million
White 24.2 Million 9.2 Million
Asian 1.4 Million 0.6 Million
Native American and Pacific Islander 350,000 100,000

Get Involved -- Events


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CBA LIVE 2022 Breakfast: Consumer Credit Behaviors + Performance Insights

  • March 7-9th, 2022

  • JW Marriott, San Antonio, TX
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Breaking the Cycle of Financial Exclusion



VantageScore research shows that in addition to minorities, there is an increased percentage of newly scoreables in:

  • Lower income populations
  • Communities with low homeownership rates

  • Communities with limited access to brick-and-mortar banking services

How many consumers lack conventional scores in your home state? 

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Critics Corner



As an industry leader, VantageScore advances innovation and collaborates on public policy to provide much needed reform in credit-score model development. We take time to find common ground to support an agenda that serves consumers, lenders, and the financial market as a whole.


Medical Debt

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Credit Report Errors

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Financial Inclusion

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Racial Wealth Gap

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Algorithmic Bias

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