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About VantageScore
VantageScore is the leading credit score modeling and analytics company for innovation and financial inclusion. By scoring more consumers and helping them understand and access credit, VantageScore is driving positive outcome for consumers across the spectrum, particularly, for consumers that have traditionally been underserved.
By developing models that enable institutions to understand consumers’ credit worthiness more accurately than other scoring models currently available in the marketplace while expanding the universe of eligible borrowers – we represent the proverbial win-win for lenders and consumers alike.
Launched in 2006, VantageScore Solutions LLC is an independently managed joint venture of the nation’s three national consumer credit reporting companies (CRCs) – Equifax, Experian and TransUnion.
Our Values
Our Principles
OFFERING THE PROVERBIAL WIN-WIN
VantageScore Solutions develops consumer credit scoring models that combine the need for both financial inclusivity and dependable predictiveness across all scoring ranges.FINANCIAL INCLUSION
The company’s most recent model scores approximately 94 percent of all adults 18 and older – including 33 million more people than conventional models – without sacrificing safety and soundness. As a result, lenders using VantageScore can extend credit to those who have been historically marginalized, including minority and lower-to-middle income Americans.MASSIVE FOOTPRINT
VantageScore credit scores are used by thousands of lenders, landlords, utility companies, telecom companies, including nine of the top ten largest banks and many others to determine creditworthiness. More than 3,000 lenders and other industry participants used more than 19 billion VantageScore scores in the period from January to December 2022.
CONSUMER EDUCATION
Tens of millions of consumers rely on free access to their VantageScore credit scores to monitor their own creditworthiness.- WE SCORE MORE PEOPLE because everyone deserves fair and equitable access to credit.
- WE MAKE THE WORLD more financially inclusive.
WE ARE
(D)iverse. (E)quitable & (I)nclusive. We embody such wholeheartedly and believe every human deserves equal access to opportunity and to be seen and heard.