VantageScore®

VantageScore empowers financial institutions to make smarter lending decisions. We deliver innovative credit score models with enhanced predictive performance and risk assessment, helping lenders score 33 million more creditworthy consumers deemed unscorable by legacy models. Since 2006, VantageScore has led the industry in innovation and inclusion, launching the first credit score commercially available free to consumers. We pioneered the incorporation of rent and utility data, the use of trended credit data, and publishing credit score Reason Codes. Our models and digital tools are used by all the top 10 U.S. banks, and more than 42 billion VantageScore credit scores were used in 2024, representing a 55% annual increase. VantageScore is an independently managed joint venture company founded by Equifax, Experian, and TransUnion.