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Unlock the Unique Advantages of VantageScore
Driving Inclusion Through Innovation
Why VantageScore?
Predictive Performance
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 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.
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.
Demographic Breakdown
Breakdown of Newly Scorable Consumers
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
Industries We Serve
Explore How VantageScore Can Transform Your Lending Decisions
Mortgage
Auto
Credit Card
Credit Unions
Capital Markets
Policy Makers
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 5.0
Innovative and Proprietary GAIN Attributes™ Generate Insights Beyond Traditional Scoring Inputs
Quantifying the Relationship between VantageScore Credit Scores and the Relative Risk of Default
Models
April 18, 2025VantageScore Expands New Open-Banking Credit Score for Lending to Underserved Borrowers
In The News
April 17, 2025Consumers Remain Credit Healthy Amid Economic Uncertainty: VantageScore CEO on Yahoo! Finance
