My Vantage Score

Vantagescore4 0 released in 2017 is the most recent version of the scoring model and contains several updates over vantagescore3 0.

My vantage score. Vantagescore is a credit scoring model that first emerged in 2006 as a joint venture of the major credit bureaus experian equifax and transunion. Vantagescore is a credit scoring model that lenders use to assess your financial responsibility. Vantagescore 3 0 credit scores range from 300 to 850. You may have seen your vantagescore delivered through educational websites or on your credit card statement.

For example vantagescore combines age and mix of credit into a single category. Vantagescore ratings range from 350 to 800. Earlier iterations of the vantagescore model featured a different range but vantagescore 3 0 adopted the 300 to 850 range the same range as most fico scores to make it easier for lenders to use. The vantagescore formula is similar to the fico score five factor formula payment history level of debt age of credit history type of accounts inquiries but the categories are divided differently.

Learn about the vantagescore credit model.