VantageScore

VantageScore describes itself as the fastest-growing credit score modeling and analytics company in the United States, developing models that help lenders assess consumers' creditworthiness and expanding the universe of eligible borrowers. Its offerings include VantageScore 4.0, which combines machine learning technology with trended credit data, VantageScore 4plus, which adds bank data, and VantageScore 5.0, which uses proprietary GAIN Attributes. The company also publishes credit-health insights such as CreditGauge and provides custom model and scoring solutions for lenders.

VantageScore presents itself as the fastest-growing credit score modeling and analytics company in the United States, developing models that enable lenders to understand consumers' creditworthiness with deeper and more predictive insight than conventional scoring models. Its website highlights VantageScore 4.0, which combines machine learning technology with trended credit data, VantageScore 4plus, which adds bank data, and VantageScore 5.0, which uses proprietary GAIN Attributes. The company also publishes CreditGauge, a data-driven report on U.S. consumer credit health, and offers custom models and scoring solutions for lenders.

Credit score modeling and analytics company focused on innovative, inclusive insights for lenders and consumers.

• VantageScore 4.0

  Machine learning technology plus trended credit data.

• VantageScore 4plus

  All the benefits of VantageScore 4.0 plus bank data, with over 10% predictive lift.

• VantageScore 5.0

  Uses innovative and proprietary GAIN Attributes to generate insights beyond traditional scoring inputs.

• 2026.11.02

  Reported2026.11.02

  VantageScore CEO succession[5]VantageScore首席执行官交接nationalmortgagenews.com

  VantageScore announced that President and CEO Silvio Tavares was stepping down and that its board appointed Anthony Hutchinson to replace him on an interim basis.

• 2026.10.30

  Reported2026.10.30

  VantageScore appoints interim CEO[6]VantageScore任命临时首席执行官housingwire.com

  VantageScore announced that Anthony Hutchinson was appointed as interim CEO.

• 2026.10.30

  Reported2026.10.30

  VantageScore CEO steps down[6]VantageScore任命临时首席执行官housingwire.com

  VantageScore announced that president and CEO Silvio Tavares is stepping down after five years leading the company.

• 2026.09.29

  Reported2026.09.29

  FHFA moves Fannie Mae and Freddie Mac to one mortgage pricing grid, with VantageScore joining the FICO Classic pricing grid[7]美国联邦住房金融局宣布房利美与房地美改用单一房贷定价表，VantageScore 加入现有 FICO Classic 定价表cnbc.com

  Federal Housing Finance Agency director Bill Pulte announced changes to mortgage pricing, moving Fannie Mae and Freddie Mac from two separate pricing grids to one pricing grid, with VantageScore joining the existing FICO Classic pricing grid. Fair Isaac shares plunged 18% in premarket trading following the announcement.

Read more

1. 1VantageScore® - Modern Credit Score Models & Insightsvantagescore.com
2. 2VantageScore Press - News, Media Features & Press Releasesvantagescore.com
3. 3Events - VantageScorevantagescore.com
4. 4Careers - VantageScorevantagescore.com
5. 5VantageScore首席执行官交接nationalmortgagenews.com
6. 6VantageScore任命临时首席执行官housingwire.com
7. 7美国联邦住房金融局宣布房利美与房地美改用单一房贷定价表，VantageScore 加入现有 FICO Classic 定价表cnbc.com