VANTAGESCORE® THE FIRST TRI-BUREAU CREDIT SCORE

DEVELOPED BY EXPERIAN, EQUIFAX AND TRANSUNION

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For $29.95, receive a one-on-one credit education session that includes:

  • A copy of your Experian credit report and VantageScore
  • A step-by-step walkthrough of your personal credit report
  • Insight for future decisions in personal credit management
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VantageScore for Lenders

VantageScore is an accurate, consistent and stable credit scoring model that you can implement into your risk management and underwriting process to better serve your customer base.

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Achieve your financial goals

Knowing your personal credit score before you apply for credit can save you time and money and help you plan for your financial future. Not only do lenders use your score to determine when and if you will receive credit, but your score is also used to determine the borrowing terms of your loan. Understanding and taking control of your financial well-being can help you achieve your financial goals.

What is the VantageScore Credit Score?

VantageScore® is a credit score that was developed by the three national credit reporting companies (CRCs) — Experian, TransUnion and Equifax. There are many different scoring systems with different scales, and a "good" credit score depends on the scoring system used by your particular lender. Unlike other scoring systems, the VantageScorec credit score is the most consistent, using only one model with one set of scoring calculations—this results in scores that are more uniform across all three CRCs.

The VantageScore model is used as a risk score, which is a key component that lenders use to determine your creditworthiness. All credit scores are measured in a numeric range, from 501 to 990. Using the VantageScore model, your score is translated into an easy-to-understand A, B, C, D and F grading scale so you know exactly where your credit stands.

Roll over the letters to find out more about them.

A: 900-990
B: 800-899
C: 700-799
D: 600-699
F: 501-599

A (900-990)

Consumers in this group have credit scores that rank higher than 86 percent of U.S. consumers. Most lenders are likely to provide the best credit terms available to these consumers.

B (800-899)

Consumers in this group have credit scores that rank higher than 61 percent of U.S. consumers. Most lenders are likely to provide good credit terms available to these customers.

C (700-799)

Consumers in this group have credit scores that rank higher than 40 percent of U.S. consumers. Most lenders are likely to provide the reasonable credit terms available to these consumers. Some lenders may wish to review the credit history of consumers in this category in more depth and may require additional documentation in order to extend favorable terms.

D (600-699)

Consumers in this group have credit scores that rank higher than 20 percent of U.S. consumers. Lenders typically view consumers in this category as higher risk. While many lenders still make credit available, they likely will offer somewhat less favorable terms to compensate for higher default rates in this category.

F (501-599)

Consumers in this group have credit scores that rank in the lowest 1 percent of U.S. consumers. Lenders generally view this as a very high-risk group. Many prefer not to extend credit to this group. Some will extend more traditional credit but require much higher interest payments to compensate for the increased risk associated with this category.

How Is a Good Credit Score Determined?

Developers of credit scoring models review a set of consumers — often more than one million. The historical credit profiles of these consumers are examined to identify common variables. The developers then build statistical models by selecting the credit variables most predictive of future behavior and assigning appropriate weights to each variable.

Credit scores are influenced by several factors:

Vantage Score Factors Chart

Know Exactly Where Your Credit Stands Using the VantageScore Credit Score

The VantageScore credit score is the most consistent, predictive and accurate measure of consumer creditworthiness in the market and utilizes an easy to understand grading scale that takes the mystery out of credit scores for consumers. Consumers can now easily understand their credit score rating and how their credit is evaluated by lenders.

View and securely share your credit report and VantageScore credit score with people you know and trust – $14.95 for 30 days.

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VantageScore is a registered trademark of VantageScore Solutions, LLC.

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