Credit With a Conscience

For 15-16 years VantageScore has led the way towards a more inclusive and equitable consumer credit marketplace. By scoring more American adults and providing critical education, more consumers are able to access the credit they deserve—and better understand how the credit economy works.

Prioritizing Inclusion



Among the initiatives the organization executes and supports are:
  • Scoring approximately 94% of the adult population in the United States.
  • Researching drivers of credit inequality.
  • Researching impact of alternative data.
  • Funding programs to encourage greater reporting of rent and utility payment information.
  • Providing creative credit education.

More Data = Greater Inclusivity



VantageScore’s research has proven conclusively that greater reporting of rent and utility payment information enables greater financial inclusion and consumer credit health.


VantageScore was an early funder and supporter of the Rent Reporting Technical Assistance Center, which was developed by Credit Builders Alliance to enable reporting of more rent and utility payment information. This free resource provides training and education for landlords and renters interested in how to make sure rental payments are reported to credit bureaus—and reflected in consumer credit scores.

Education Outside the Box



The credit-scoring industry has often been described as secretive and limiting what consumers can know about their credit score.

VantageScore emphasizes transparency and explain-ability to enable consumers to take control of their credit health.


Free credit scores for all

Along with credit bureaus and fintech companies, VantageScore pioneered free access of credit scores. More than 100 million consumers now have access to their VantageScore at no cost via websites and customer/member services.
Free Credit Scores

Reasoncode.org

A free online, interactive tool where consumers can key in reason codes and receive detailed explanations and tips.
ReasonCode.org

Test Yourself

VantageScore partners with Consumer Federation of America, one of the largest and most influential consumer advocates in the country, to advance credit understanding. Tens of thousands of consumers have tested their knowledge of credit scoring—and learned valuable information along the way.
Credit Score Quiz