VantageScore

VantageScore is the leading credit score modeling and analytics company in the United States, established as an independent joint venture company of the three major credit bureaus: Equifax, Experian, and TransUnion. Founded in 2006, the company has been at the forefront of credit scoring innovation for nearly two decades, developing the industry's most innovative, predictive, and inclusive credit score models.

As the fastest-growing credit scoring company in the U.S., VantageScore delivers modern credit score models and insights that empower financial institutions to make smarter lending decisions. Their flagship VantageScore 4.0 model is the first tri-bureau credit scoring model using trended credit data, providing deeper insight into borrowing and payment patterns. The company is committed to financial inclusion, scoring more consumers and helping expand credit access to millions of creditworthy borrowers who may not be captured by traditional scoring methods.

VantageScore's models are trusted by lenders across the financial services and fintech ecosystem, with credit score usage reaching 42 billion scores in 2024. Their analytics solutions help lenders improve risk assessment, expand their lending universe, and reduce potential defaults while delivering a 20% originations lift among consumers in Prime and Superprime categories.