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Welcome to VantageScore®

At VantageScore, we focus on helping lenders make accurate credit assessment and informed lending decisions.

As a lender, you hold the key to helping individuals and businesses achieve their financial goals and you want to grow your businesses. That's why we've developed a suite of smart credit solutions tailored to empower lenders like you.

Explore Our Data & Analytics Tools

Monthly Analyses on the Key Drivers of Consumer Credit Health

VantageScore provides the market leading, comprehensive tool to track consumer credit health through CreditGauge. Consumer credit industry stakeholders need timely data insights and analysis in order to inform decisions and strategies, a function that becomes even more challenging as the macroeconomic climate becomes increasingly volatile.

Access CreditGauge

The VantageScore Footprint

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.

Why VantageScore

Precision and Reliability
With VantageScore, you can trust that you're leveraging a credit scoring model built on extensive data analysis and advanced analytics. Our cutting-edge algorithms provide you with precise and reliable credit assessments, enabling you to make confident lending decisions. Using technologies like machine learning and trended credit data, our scores stay ahead of shifting economic changes.
Industry-Leading Innovation
We are committed to staying at the forefront of credit scoring innovation. Our team of experts continuously explores new methodologies, incorporates emerging trends, and evaluates additional data sources to enhance our scoring models. By choosing VantageScore, you gain access to the latest advancements in credit assessment.
Inclusive and Comprehensive
VantageScore believes in financial inclusion and expanding credit access to a wider range of consumers. Our scoring models consider a broader range of factors beyond traditional credit history and as a result we score approximately 33 million more consumers than traditional models. This approach allows you to assess the creditworthiness of a more diverse applicant pool.
VantageScore for Mortgage Lending

As a lender in the mortgage industry, it's essential to stay up-to-date with credit scoring models to make informed lending decisions. The FHFA's recent landmark decision now enables lenders to take advantage of VantageScore's highly predictive and inclusive credit scoring model.

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Benefits of Using VantageScore for Mortgage Lending

  • Enhanced Credit Risk Assessment
    By utilizing VantageScore's alternative scoring model, lenders can gain valuable insights into the risk profile of mortgage applicants, enabling more accurate risk assessment.
  • Expanded Borrower Eligibility
    VantageScore considers a shorter credit history and incorporates alternative data sources, making it especially valuable for assessing borrowers with limited credit histories or those who are new to credit.
  • Improved Predictive Capabilities
    VantageScore's predictive capabilities and enhanced accuracy can contribute to better decision-making and risk management in the mortgage lending process.

VantageScore Resources for Mortgage Lending

As a lender in the mortgage industry, it's essential to stay up-to-date with credit scoring models to make informed lending decisions. The FHFA's recent landmark decision now enables lenders to take advantage of VantageScore's highly predictive and inclusive credit scoring model.

Learn More

Benefits of Using VantageScore for Mortgage Lending

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Performance Improvement in Account Management
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Lift in Originations
  • Enhanced Credit Risk Assessment
    By utilizing VantageScore's alternative scoring model, lenders can gain valuable insights into the risk profile of mortgage applicants, enabling more accurate risk assessment.
  • Expanded Borrower Eligibility
    VantageScore considers a shorter credit history and incorporates alternative data sources, making it especially valuable for assessing borrowers with limited credit histories or those who are new to credit.
  • Improved Predictive Capabilities
    VantageScore's predictive capabilities and enhanced accuracy can contribute to better decision-making and risk management in the mortgage lending process.
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Auto

Drive success with predictive performance across the risk distribution.

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Performance Improvement in Account Management
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Lift in Originations
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Credit Card

Uncover more credit-worthy borrowers with your secret weapon.
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Performance Improvement in Account Management
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Lift in Originations
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Credit Unions

Accelerate lending and member engagement.
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Performance Improvement in Account Management
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Lift in Originations
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Partner with VantageScore

Join the growing number of lenders who have partnered with VantageScore to streamline their credit assessment process. With our smart credit solutions, you can:

  • Enhance efficiency
  • Reduce risk
  • Unlock new opportunities

Contact us today to learn more about how VantageScore can transform your lending decisions and drive your business forward.

Together, we can build a stronger and more inclusive lending ecosystem.

Contact Us Today