The securitization market has spoken — and 2025 marked a breakthrough year for VantageScore. As more lenders look for smarter, more inclusive ways to assess consumer credit risk, VantageScore has rapidly become the model of choice for asset-backed securities (ABS) issuers and investors alike.
Unprecedented Growth in the ABS Market
This year, usage of VantageScore credit scores in ABS surged 68% year-over-year, more than doubling our strong 17% growth in 2024. In total, over $22.5 billion in ABS deals were issued in 2025 using VantageScore as the primary credit risk assessment tool — setting a new high-water mark for our participation in the market.
Why Lenders Are Making the Switch
Across Auto, Personal Loan, and Credit Card securitizations, lenders are increasingly choosing VantageScore for one simple reason: it works better. Our latest models deliver a more predictive, transparent, and inclusive view of borrower risk than traditional scoring systems. By capturing a broader and more representative range of consumers, VantageScore empowers issuers to structure stronger, more resilient pools — and gives investors deeper confidence in the collateral behind each transaction.
Adoption From the Industry’s Biggest Players
Some of the nation’s largest and most respected lenders expanded their use of VantageScore in 2025. Organizations such as Toyota Motor Credit Corporation, SoFi, Synchrony, Exeter Auto, and others now rely on VantageScore to evaluate risk across multiple consumer lending products. Their adoption underscores a broader industry shift toward more innovative and forward-looking credit assessment tools.
A Win for Investors and Issuers Alike
As investors seek a more refined understanding of loan-level risk, VantageScore delivers. Our record-breaking year reflects growing recognition that today’s ABS market benefits from the most predictive and advanced credit scoring model available. The results: stronger deals, clearer insights, and greater alignment between lenders and investors.
For more information on VantageScore in the ABS market, visit our Capital Markets page or download our Securitization one-pager.
