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VantageScore 4.0

VantageScore 4.0 is an inclusive, trended scoring model financial institutions, fintechs, and retailers reach more customers, reduce risk, and drive revenue through more accurate, automated lending decisions
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Why VantageScore is the Smarter Choice for Modern Credit Decisioning

VantageScore is a next-generation, tri-bureau credit scoring model that has the ability to expand your addressable market with precision in evaluating consumer creditworthiness. This enables financial institutions, fintech companies, and retailers to expand their eligible customer base, enhance automation, and reduce risk — ultimately driving smarter, faster credit decisions and boosting profitability.
Score More Consumers
The ability to score more consumers than conventional, non-trended models
Increased Predictiveness
Greater accuracy in predicting consumer behavior
Used in Capital Markets Transactions

Used by Tier 1 lenders in their capital markets transactions including in ABS

Improved Portfolio Performance
Better credit decisions leading to healthier loan portfolios
Competitive Advantage
Outperform traditional scoring models
Expanded Market Reach
The ability to reach new potential customers previously unscorable
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VantageScore® usage surged +55% in 2024. 

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Banks and FinTechs use VantageScore 4.0, including the capital markets.

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out the top 10 banks use VantageScore in one or more of their product lines.

Expanding the Scorable Population

VantageScore 4.0 utilizes advanced machine learning techniques and a richer dataset to identify creditworthy individuals who were previously overlooked.

Lending and Financial Services

Automating credit approvals and expanding loan portfolios to include a wider range of creditworthy consumers, especially those with thin credit files.

Retail and E-commerce

Offering credit or financing options to a broader customer base, improving customer acquisition and sales.

How Credit Score Competition Is Reshaping the Mortgage Market

Clayton Collins and VantageScore’s Rikard Bandebo discuss what competition in credit scoring means for lenders, originators and homebuyers, and how alternative data like rent and utility payments are opening access to credit.

Inclusive, Predictive Credit Scoring for Lending

VantageScore® 4.0 represents a significant advancement in credit scoring, offering a more comprehensive, inclusive, and accurate view of consumer creditworthiness. For lenders, this translates into:
Expanded Market Reach
Access to millions of previously unscorable, yet creditworthy, consumers.
Improved Risk Assessment
More precise evaluation of credit risk through trended and alternative data.
Enhanced Competitiveness
The ability to offer more tailored products and competitive rates.
Cost Efficiencies
Reduced pricing and free score offerings from Equifax.

Data Analysis: Trended vs. Snapshot

VantageScore 4.0 uses trended credit data to analyze how a consumer’s credit behavior evolves over time — offering a more predictive view than traditional static models. It evaluates six key factors, with the most weight on payment history, credit utilization, and credit history/mix. Default is defined as being 90+ days past due within 24 months, closely aligning with real-world lending risk. This approach enables lenders to make more accurate, forward-looking credit decisions.

First Tri-bureau Credit-scoring Model to Incorporate Trended Credit Data and Alternative Credit Data

This is a monumental leap forward from traditional models that primarily rely on static, point-in-time snapshots of credit history.
 

Trended Credit Data:

Imagine understanding not just what a borrower's credit utilization is today, but how it has changed over months and years. Trended data provides this historical context, offering a more dynamic view of a borrower's payment behavior, credit utilization, and balances over time. 

Alternative Credit Data: 

This data includes payment histories for essentials like rental, utilities, and telecommunications. For millions in the U.S., these consistent payments are a strong indicator of financial reliability, yet have historically been excluded from conventional credit scoring models.

Frequently Asked Questions

VantageScore is a credit scoring model developed by a joint venture among the three major credit reporting agencies designed to assess consumer creditworthiness.

VantageScore is a tri-bureau generic credit scoring model, offering consistent scores across all three major credit reporting agencies. It scores more consumers, including those with limited credit histories, by leveraging enhanced data (rental, telecom, utility payments), and utilizes cutting-edge machine learning and trended data for superior predictive accuracy.

Yes, VantageScore 4.0 is approved for Fannie Mae and Freddie Mac mortgages, effective July 8, 2025.

VantageScore helps businesses expand their customer base by scoring 30-35 million more consumers than conventional models, including "thin-file" and historically underserved borrowers, thereby expanding their eligible customer base and membership reach.

Related Resources

Product Sheet

Ushering in a New Standard for Credit Scoring

VantageScore 4.0: The only tri-bureau score pioneering trended data & machine learning for superior predictive lift. 
See Product Details

Case Study
557KB
Case Study
VantageScore 4.0 Provides High-performance, Cost-effective Credit Scoring Solution for Georgia's Own Credit Union
Product Sheet
Product Sheet
VantageScore 4.0 Solution Overview
Webinar
57.24
Webinar
Scoring More Consumers with VantageScore 4.0
White Paper
869 KB
White Paper
Changing the Personal Loan Game With Alternative Data and Analytics
Case Study Product Sheet Webinar White Paper

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