Market Adoption Study

VantageScore 4.0 has been adopted by the industry's leading lenders and fintechs

VantageScore Adoption Continues To Surge

Our customers broadly accelerated their usage of VantageScore credit scores in 2024, resulting in record-breaking growth and the highest overall credit score volume in company history. These results are a confirmation by lenders, fintechs and other customers that VantageScore is the credit score industry leader in growth, predictive power and innovation.

- Silvio Tavares, President and CEO of VantageScore

VantageScore's Fast-Growing Market Adoption

Over 3,700 banks, fintechs and other institutions use VantageScore credit scores every day to assess consumer creditworthiness. Last year, 42 billion VantageScore credit scores were used representing a 55% yearly increase. Most top 10 US banks, large credit unions and leading fintechs use VantageScore credit scores in one or more lines of business including credit cards, auto loans, personal loans and more.

42 billion
VantageScore credit scores were used in 2024
0 Yearly Increase in 2024
Credit Card Industry
0 Yearly Increase in 2024
Consumer Website
0 Yearly Increase in 2024
Consumer and Personal Lending
0 Yearly Increase in 2024
Mortgage Origination
0 Yearly Increase in 2024
Banks and Thrifts
0 Yearly Increase in 2024
Credit Union
0 Yearly Increase in 2024
Adoption in Secondary Capital Markets
VantageScore credit scores are often used by the largest lenders and issuers of asset backed securities (ABS). Portfolios that feature loans originated using VantageScore are highly transparent, predictive and captures more consumers. As a result, issuers that use VantageScore demonstrate to the marketplace a focus on being responsible lenders.
Toyota Auto Receivable 2024 Owner Trust

$6.8 Billion Issuances

Toyota Auto Receivable 2024 Owner Trust


$1.7B notes issuance, January 18, 2024
$1.7B notes issuance, April 23, 2024
$1.7B notes issuance, July 23, 2024
$1.7B notes issuance, October 15, 2024

Exeter Automobile Receivables Trust

$4.1 Billion Issuances

Exeter Automobile Receivables Trust


$0.6B notes issuance, January 25, 2024
$0.8B notes issuance, March 27, 2024
$0.8B note issuance, May 21, 2024
$0.9B note issuance, July 23, 2024
$0.9B note issuance, September 24, 2024

SynchronySeries Class A

$1.5 Billion Issuances

SynchronySeries Class A


$0.75B notes issuance, March 11, 2024
$0.75B notes issuance, July 23, 2024

World Financial Network Credit Card Master Note Trust

$1 Billion Issuances

World Financial Network Credit Card Master Note Trust


$0.5B notes issuance, May 8, 2024
$0.5B notes issuance, August 5, 2024

Usage of VantageScore Credit Scores in the ABS Market continues to grow
year over year
2022 $10.3 Billion Issuances
2023 $11.5 Billion Issuances
2024 $13.4 Billion Issuances

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