More Inclusive Credit Scores for Mortgages Supported in Regulator Listening Session
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VantageScore has revolutionized the credit scoring marketplace for lenders by leveraging data analytics to make access to credit more equitable since 2006.
More than 2,500 unique users of VantageScore credit scores, including 2,200 financial institutions. Credit card issuers and banks and thrifts accounted for over half (52%) of all usage of VantageScore credit scores. Nine of the 10 largest banks and 29 of the 100 largest credit unions used VantageScore credit scores in one or more lines of business.
Key Benefits
VantageScore is widely used across lender types and across loan products for its best-in-class inclusivity and predictive performance.
EXPAND YOUR UNIVERSE OF BORROWERS AS WE SCORE 96% OF PEOPLE INVISIBLE TO CONVENTIONAL MODELS
Leverages the latest in data innovation to drive best in class predictive performance
USED BY OVER 220 MILLION CONSUMERS
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Credit Insights
Lenders and other market participants can leverage our monthly key metrics that reflect the status of U.S. consumer credit trends and credit scores calculated with our models.
Explore more consumer credit insights to understand these trends.
VANTAGESCORES USED FROM JULY 2018 - JUNE 2019
VANTAGESCORES PROVIDED BY CONSUMER WEBSITES
VANTAGESCORES USED BY CREDIT-CARD ISSUERS
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CBA LIVE 2022 Breakfast: Consumer Credit Behaviors + Performance Insights
March 7, 2022
JW Marriott, San Antonio, TX
Putting the "S" in ESG
Lenders that use VantageScore demonstrate social awareness by extending credit to creditworthy consumers historically underserved. Securitizations that cite VantageScore are recognized for high levels of accuracy and transparency combined with inclusivity, safety and soundness.
Cover underserved and mainstream consumers
Provide loan-level access
Offer comparable performance
Enable rigorous surveillance processes
Acheive ratings agency recognition
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