Vantagescore®

VantageScore® is a credit scoring company that develops consumer credit scoring models used by lenders, landlords, and financial institutions to assess creditworthiness. The company generates revenue by licensing its scoring models to these entities, allowing them to make informed lending decisions. Established in 2006 by the three major credit reporting agencies—Equifax, Experian, and TransUnion—VantageScore® aims to provide a more consistent and inclusive scoring model compared to traditional credit scores. The company is known for its innovative approach, including using machine learning and data analytics to enhance the accuracy and predictiveness of its scores.

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