VantageScore, a joint venture of Equifax, Experian and TransUnion, develops credit scoring models and predictive analytics, including the trended-data VantageScore 4.0 model, for US lenders.
VantageScore develops credit scoring models and predictive analytics for financial institutions. Founded in 2006, it operates as an independent joint venture of Equifax, Experian and TransUnion, and works across credit scoring models, predictive analytics, trended credit data analytics, risk assessment modelling and financial inclusion modelling. The company serves the United States market.
Its flagship product, VantageScore 4.0, was the first tri-bureau credit scoring model to use trended credit data, drawing on borrowing and payment patterns rather than single-point snapshots. A complementary analytics suite is designed to help lenders refine risk assessment, widen their lending universe and reduce potential defaults; the company reports a 20% originations lift among consumers in the Prime and Superprime categories. VantageScore credit scores were used 42 billion times in 2024.
The firm states a focus on building predictive and inclusive models that extend credit access to creditworthy borrowers underserved by traditional scoring methods, while retaining the independence of a joint venture backed by the three major credit bureaus. It has operated for nearly two decades.
