Why it’s easy to implement

The VantageScore 3.0 model includes a variety of features that make it easier for lenders to implement, and offers a wide range of supporting materials to assist in the implementation process.

Features for streamlined implementation:

300-850 score range. VantageScore 3.0 credit scores range from 300 to 850, employing a numerical scale more familiar to lenders and consumers than the range of 501-990 used by earlier VantageScore models. For background on the reasons for this change, see this video


One model used across all bureaus. The VantageScore 3.0 model the only commercial credit scoring model that can perform identically on data from all three national credit reporting companies (CRCs—Equifax, Experian and TransUnion). Competing models require custom programming for each CRC database – a practice that adds variability to score results. Not only does this approach facilitate more consistent scoring across all CRCs, it enhances the level of confidence for lenders of all types.

Fewer, easier-to-understand reason codes. Both lenders and consumers will appreciate that the VantageScore 3.0 model has fewer reason codes than earlier models, written in plain English to help consumers better understand how data in their credit files impacts their credit scores. Better still, VantageScore Solutions created a new website,, for consumers who want to learn more about the reason codes they receive with score disclosures and adverse action notices. also provides suggestions on how consumers can improve their credit scores over time. 

Consumer resources. An informed borrower is a better borrower, and empowering consumers with knowledge about credit scoring helps them make better credit management decisions. The website offers a wealth of facts and tips for consumers curious about credit scoring, or serious about improving their scores. And the Credit Score Quiz, co-sponsored with the Consumer Federation of America, helps consumers test and improve their knowledge of credit scoring and its importance to financial health.

Implementation support. VantageScore and each of the national credit reporting companies offer a host of resources to assist with model implementation. For more information, see theVantageScore Challenge page.

To compare VantageScore 3.0 scores to those generated by VantageScore 1.0 and 2.0, consult this conversion table.

Use the range below to find your VantageScore 2.0 credit score from the 501–990 scaleThe equivalent VantageScore 3.0 score on the 300–850 scale appears below
501–570 300–508
571–590 509–527
591–610 528–545
611–630 546–563
631–650 564–581
651–670 582–599
671–690 600–617
691–710 618–635
711–730 636–654
731–750 655–672
751–770 673–690
771–790 691–708
791–810 709–726
811–830 727–744
831–850 745–762
851–870 763–780
871–890 781–799
891–910 799–817
911–930 818–835
931–990 835–850

Crack the codes

Wonder what those VantageScore reason codes really mean? Easy translations just a click away.

VantageScore 3.0

The latest and greatest.

Review this fact sheet to learn more about the advantages of VantageScore 3.0.

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