VantageScore was founded in 2006 by the three national credit reporting companies (Equifax, Experian and TransUnion) to provide competition in the market, to develop highly accurate credit scoring models, and to reliably score more consumers so that they can gain access to mainstream credit.

Since then, we’ve launched 4 models. Thousands of lenders use billions of VantageScore credit scores annually to make lending decisions. Tens of millions of consumers use our scores to understand their own credit worthiness and to monitor their credit health.

VantageScore Solutions is an independently managed company that holds the intellectual property rights to the VantageScore credit scoring model. We do not market the VantageScore model, sell credit scores or manage credit report data. Independent licensing agreements managed through VantageScore Solutions, allow Equifax, Experian and TransUnion to market the model and sell VantageScore credit scores.