Who uses our model

More than eight billion VantageScore credit scores were used in a 12-month period in 2015–2016—an increase of nearly 40% over 2014–2015. Over 2,400 lenders and other industry participants—including 20 of the top 25 financial institutions—used VantageScore credit scores from July 2015–June 2016.

Market adoption graphic

Extensive adoption in secondary capital markets

Many of the most sophisticated secondary market participants use the VantageScore model to help evaluate and monitor risk, and to price and benchmark deals more accurately. Credit rating agencies accept loans based on the VantageScore model, and it’s the dominant model used in the valuation of previously issued, private-label mortgage-backed securities.  

Fitch Ratings. Fitch Ratings accepts loans based on VantageScore credit scores, and has fully incorporated the VantageScore model into ResiLogic 2.1, Fitch’s flagship quantitative model for credit risk analysis at the individual loan and pool level for residential mortgages. 

According to Fitch: “VantageScore provides highly predictive evaluations of consumer creditworthiness.”

Standard & Poor’s. Standard & Poor’s clients can include the VantageScore model in collateral characteristics when submitting portfolios of residential mortgage loans for rating purposes. 

In addition, both Standard & Poor’s and Kroll Bond Rating Agency have rated pools of consumer loans underwritten using VantageScore credit scores without bias.

Industry platforms 

Major industry-platform standards have the VantageScore model embedded. Among them:


VantageScore 3.0

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

How It Performs

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Valued partners:
VantageScore Licensees:
Equifax Experian TransUnion