VantageScore®
Financial ServicesCalifornia, United States11-50 Employees
VantageScore provides credit scoring models and related analytics to financial institutions to support lending decisions. Its models aim to deliver enhanced predictive performance and sharper risk assessment, enabling lenders to score borrowers who legacy models cannot rate. The company’s scoring tools are used by all of the top ten U.S. banks, and in 2024 more than 42 billion VantageScore scores were generated, a 55% year-over-year increase. Based in San Francisco, California, it operates as an independently managed joint venture founded by Equifax, Experian, and TransUnion. VantageScore has a history of driving data-centric innovation in the credit-scoring space, including the incorporation of rent and utility data, the use of trended credit data, and the publication of credit-score reason codes, alongside offering free consumer access to scores. In April 2026, the company announced a major new release for its RiskRatio analytics tool, aimed at helping mortgage and auto lenders and asset-backed securities investors benchmark and act on consumer credit default risk.
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