Credit scoring built for more credit decisions

Developed jointly by Experian®, Equifax® and TransUnion®, VantageScore® is a suite of tri-bureau credit scoring models designed to support consistent credit risk assessment across all three credit reporting companies. Each model uses the same 300–850 score range and helps lenders assess a broader population of consumers.

Experian offers VantageScore 3.0, 4.0 and 5.0, with each model supporting different strategies and use cases across the credit lifecycle. Organizations can compare the models to identify the one that best aligns with their portfolio, decisioning needs and business objectives.

*VantageScore is a registered trademark of VantageScore Solutions, LLC. 

Whichever model you run, this holds true

33 million

Score 33 million more consumers than conventional models that demand six months of history or a recent file update. 

One model, three bureaus 

Pull from any bureau and get the same read on risk. The identical model runs at Experian, Equifax and TransUnion. 

300–850

Keep the score range and credit tiers your systems already use, identical across 3.0, 4.0 and 5.0. 

Proof every year

Every VantageScore model is validated annually, and the results are published to the industry.

Explore each model

VantageScore 5.0

The score is designed to deliver stronger risk differentiation in unsecured originations and thin-file segments.
  • Up to 8.5% more predictive in personal loan originations.
  • GAIN™ attributes provide account-level risk insights. 
  • 96% of scores fall within a 40-point range across three bureaus.
Donwload product sheet

VantageScore 4.0

Compete in conforming mortgage with a real choice of score — at no cost.
  • Accepted by Fannie Mae and Freddie Mac, and free to Experian U.S. mortgage clients through Score Choice
  • The first and only tri-bureau model to use trended credit data 
  • 5.9% more predictive than VantageScore 3.0 in originations
Download product sheet

VantageScore 3.0

The score supports established strategies and consumer score experiences .
  • Up to 25% more predictive than VantageScore 2.0 among prime and near-prime consumers.
  • 94% of consumers scored within 40 points across all three bureaus. 
  • Medical collections stay out of the score calculation.
Download product sheet

Not sure where you land? Start here.

VantageScore 4.0 is accepted by Fannie Mae and Freddie Mac for conforming mortgage lending. Explore its mortgage capabilities, trended credit data and other key features in the VantageScore 4.0 product sheet.

VantageScore 5.0 is designed to deliver stronger risk differentiation at origination, with predictive lift across personal loan, retail card and bankcard portfolios. Learn more in the VantageScore 5.0 product sheet.

VantageScore 5.0 combines GAIN™ attributes and trended credit data to provide additional risk insights for thin-file, newly scored and credit-inactive consumers. Explore the capabilities in the VantageScore 5.0 product sheet.

VantageScore 4.0 supports a range of credit products and use cases, including multiproduct portfolios, securitization and capital markets. Learn more in the VantageScore 4.0 product sheet.

VantageScore 3.0 continues to support established credit strategies and consumer score experiences. If you’re considering another VantageScore model, migration typically means recalibrating cut-offs and strategies, not rebuilding systems. Contact us to discuss the options for your organization.

Resources

Unlocking the future of credit scoring: VantageScore® 5.0

Unlocking the future of credit scoring: VantageScore® 5.0

Analytics and trended data improve risk differentiation, optimize lending, and expand universe access.
Credit scoring and financial inclusion

Credit scoring and financial inclusion

Discover how fair, accurate credit risk assessments can help more consumers access mainstream credit.
Implementing a new credit score in lender strategies

Implementing a new credit score in lender strategies

Learn more about the process of implementing a new credit scoring model for your business.

Find the right VantageScore model for your portfolio

To learn more about our solutions, please fill out the form below.

We are unable to address personal credit report and/or membership inquiries via this business form. Visit Experian.com/help or call 888-397-3742 for consumer assistance. For help with your business credit report, please visit Experian.com/small-business. 

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