Do You Know Your Credit Score?

More than 220 million consumers get access to VantageScore’s equitable approach to credit scoring. Get your score for free—along with valuable information to help increase your creditworthiness.
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Welcome to VantageScore®

At VantageScore, we believe that everyone deserves a fair and accurate credit assessment. That's why we've revolutionized the credit scoring industry, providing consumers like you with a more comprehensive and reliable way to understand and manage your creditworthiness.

What sets VantageScore apart is our commitment to financial inclusion and innovation. We have developed a cutting-edge credit scoring model that takes into account a broader range of credit data, allowing for a more comprehensive evaluation of your creditworthiness. By leveraging advanced analytics and machine learning techniques, we provide a more
accurate and predictive credit score for more than 33 million consumers that conventional models consider “credit invisibles.” This empowers you to make informed financial decisions and gain greater access to credit.

Consumer Credit Tools & Resources

How Credit Scores Work


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How is your credit score calculated? Understand the what and how.

Build Your Credit


Build Your Credit
Learn how to build your credit.
Decoding your credit score disclosure notice.

Student Loan Repayment Info


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Navigate all your student loan repayment related needs.

Consumer FAQs


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Get the answers you need to expand your knowledge of the credit world.

Credit Score Quiz


Test Your Knowledge
How much do you know about your credit score?

Understanding your VantageScore Credit Score

  • Your VantageScore credit score is based on the data in your credit reports with each of the three credit bureaus, Equifax, Experian, and TransUnion.
  • Financial institutions often pull your VantageScore credit score to assess the risk in lending to you.
  • A high VantageScore credit score indicates lower risk, increases your odds of credit card and loan approval, and helps you secure lower interest rates.
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The VantageScore Impact

Over 3,000 banks, fin-techs and other companies use VantageScore credit scores every day to assess consumer creditworthiness. Last year, over 19 billion VantageScore credit scores were used representing a 30% yearly increase. Most top 10 US banks, large credit unions and leading fin-techs use VantageScore credit scores in one or more lines of business including credit cards, auto loans, personal loans and more.

How VantageScore Benefits You

Accuracy and Consistency
Our scoring model is built on rigorous research and extensive data analysis, ensuring a fair and consistent evaluation of your creditworthiness across lenders and credit bureaus.
Greater Financial Inclusion
We believe in giving everyone a fair chance to access credit. Our scoring model embraces alternative credit data, such as rent and utility payments, to provide a more accurate representation of your creditworthiness, even if you have a limited credit history.
Educational Resources
We're not just about providing a credit score. Our website offers a wealth of educational resources and tools to help you understand and improve your credit health. From credit-building tips to personalized recommendations, we're here to support your journey toward financial success.
Lender Acceptance
VantageScore is recognized and accepted by thousands of lenders, including major financial institutions, credit card issuers, and mortgage lenders. When you use VantageScore, you have a credit score that speaks the same language as lenders across the country.

VantageScore Is Trusted By

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Credit Score Transparency

VantageScore revolutionized the credit industry by being the pioneer in offering free credit scores and promoting transparency in credit scoring through comprehensive consumer education.

We provide easily accessible educational materials, resources, and valuable credit tips designed to empower consumers in enhancing their credit health.

Increasing Consumer Education

More than 220 million consumers check their free VantageScore credit report regularly to become more financially empowered and educated.

Thousands of lenders use billions of VantageScore credit scores annually to make lending decisions.

Expanding Financial Inclusion

VantageScore’s mission is to score more consumers so they can get access to the credit they deserve in a safe and sound manner. Millions of consumers are “credit invisible” to conventional models.
At VantageScore, we see YOU and score you clearly.
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Consistent Credit Scoring

Have you ever wondered why your three credit scores are often so dramatically different? With VantageScore, our models are the same regardless of which credit bureau provides them, which means our credit scores are less likely to be different.

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