Get your VantageScore questions answered.

If you’re looking to save money and grow your business this year, a switch to VantageScore 4.0 can help you accomplish both. Designed for today’s lending environment, VantageScore combines modern analytics with broader credit access.

Here are some commonly asked questions:

How does VantageScore score more consumers than other models?

VantageScore 4.0 uses advanced analytics to score consumers with limited or less traditional credit histories, which helps lenders evaluate applicants who might otherwise be unscorable.

Who owns and manages VantageScore?

VantageScore is an independent joint venture of the three nationwide consumer reporting agencies—Equifax, Experian, and TransUnion—with VantageScore Solutions, LLC managing the model.

What types of lenders use VantageScore?

VantageScore credit scores are used by thousands of institutions across credit cards, auto lending, personal loans, mortgages, etc.—including many of the largest U.S. banks.

Why should lenders use VantageScore?

VantageScore has stronger predictive performance (due to its use of trended data and machine learning), scores more people, closes the homeownership gap, and is more consumer-friendly (with its pioneering of the use of rental, telecom, and utility data).

Have other questions about VantageScore or need help applying it your workflow? That’s what we’re here for!