Unlock the Unique
Advantages of VantageScore

Driving Inclusion Through Innovation

Why VantageScore?

Predictive Performance

VantageScore models demonstrate industry-leading performance when it comes to predicting future default. Using industry standard measures to assess predictive value, VantageScore 4.0 consistently outperforms benchmark models.

Performance highlights include a 5.7% predictive improvement for newly issued mortgages, 4.5% predictive improvement for newly issued personal installment loans and 3.8% predictive improvement for existing auto loans.

Founded to Innovate

VantageScore was the first credit scoring model to:

  • Incorporate rent payment data when present in the consumer credit file
  • Provide consumer-friendly explanation of adverse responses to credit inquiries
  • Eliminate paid collections and all medical collections
  • Provide end users with transparency on the inputs that generate the VantageScore credit score
  • Empower consumers to share a more complete view of their financial picture with consumer-permissioned data
  • Provide commercially-available credit scores for free to consumers

Commitment to Financial Inclusion

VantageScore 4.0 allows lenders to increase financial inclusion by accurately assessing approximately 33 million more consumers than other commercially available credit score models. More than 10 million of these newly scored consumers have scores of 620 and above, and thus are potentially eligible for mortgages, and other mainstream credit products.

VantageScore in the Mortgage Market

In 2018, Congress enacted the Credit Score Competition Act. This authorized the Federal Housing Finance Agency (FHFA) to rectify the credit score monopoly in the mortgage market by reviewing and implementing newer, more predictive credit scores for use in mortgages.

As a result, VantageScore 4.0 was mandated for use in mortgages by FHFA starting Q4 2025 for its superior predictive power and inclusion of more consumers. VantageScore estimates the use of VantageScore 4.0 will add up to 2.7 million new mortgages, or $1 trillion, to the mortgage market.

Key Benefits

Score More Consumers

VantageScore’s 4.0 model yields an incremental predictive performance life among dormant credit consumers, as well as consumers with limited credit histories. With this technology approximately, 33 million more consumers are able to be scored than previously.

Predictive Lift Across Industries

Our newest model outperforms previous models in every major credit category, with significant overall predictive lift and a 5.3% predictive lift in mortgage origination.

More Consistent Scoring

With our patented uniform model characteristics, VantageScore scores are more consistent among the three three nationwide consumer reporting agencies, so lenders can be more confident in the validity of the scores.

Yearly Performance Assessments

Our analytics team runs yearly performance tests to ensure the VantageScore model continues to deliver highly predictive and consistent credit scores.

Refreshed Data Set

VantageScore models are continually re-developed using refreshed data to reflect the latest credit products and most recent trends in consumer behavior.

Greater Stability

VantageScore utilizes an exceptionally wide breadth of consumer credit data that allows the model to retain its predictive power even during times of economic volatility.

Score More People with Greater Precision
Woman typing
Approximately 33 million more Americans can be scored by our models.
Out of the newly scored Americans, 16% are African-American or Hispanic, highlighting a notable portion of the population.
Illustration of a millenial woman using technology.

Demographic Breakdown

Newly Scorable
Scores 620+

Total
33 Million
13 Million

White
21.6 Million
9.2 Million

Black & Hispanic
9.5 Million
3.1 Million

Asian
1.3 Million
<1 Million

Native American & Pacific Islander
290,000
100,000

Breakdown of Newly Scorable Consumers

Emerging Borrower/ Young File
Young to credit
Consumers who have only credit accounts that are less than six months in age

Dormant
Infrequent or rare users of credit
Consumers who haven't had an update/reporting on their credit files in the past six months but have had updates more than six months ago

No Trades
Have only external collections, public records and inquiries on their file
Consumers who have no credit accounts but are scored based on external collections and public records on their file
Illustration of millienial woman using technology
21% of millennials have "thin files," making it difficult for lenders to see them as strong borrowers and leading to more young consumers not able to get the credit they need.

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

Explore our Insights and
Digital Tools

VantageScore 4.0

Machine Learning Technology + Trended Credit Data = Score 33 Million More U.S. Consumers

VantageScore 4plus

All the Benefits of VantageScore 4.0 + Bank Data = Over 10% Predictive Lift

VantageScore 4.0 Attributes

Create Custom Models and Scoring Solutions for Lenders

VantageScore 3.0

Better predictive ability among sought-after borrowers

Data-Driven Insights that Outline the State of U.S. Consumer Credit Health

Quantifying the Relationship between VantageScore Credit Scores and the Relative Risk of Default

Identify Opportunities for Financial Inclusion by Region

Expand Addressable Markets and Chart the Upside of Converting to VantageScore 4.0

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