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An integral part of the TransUnion Partnership Program advantage, VantageScore 3.0 is a 21st Century approach to credit scoring. Easier for lenders to implement with the ability to score up to 35 million more people.
The VantageScore 3.0 model helps businesses reach a higher number of consumers, boosting their credit knowledge, while strengthening the customer relationship.

The model generates consumer credit scores that are more predictive, more consistent and more stable by using industry-leading analytics to parse credit files differently than other, older models do.

With the ability to score up to 35 million more adults as compared to traditional scoring models, VantageScore 3.0 is changing the way financial institutions compete. Access more potential customers than ever before.

VantageScore 3.0® is gaining industry recognition and acceptance from:


  • CFPB
  • Federal Trade Commission
  • National Credit Union Administration
  • Federal Reserve Board

The Market:

  • More than 2,400 lenders and 20 of top 25 financial institutions used VantageScore credit scores in 2015-2016
  • More than 8 billion VantageScore credit scores were pulled between July 1, 2015 and June 30, 2016
Product Highlights
  • Includes a specific scorecard for those with little to no recent credit activity

  • Factors non-tradeline data (collections, public records) when active tradelines are not present

  • Leverages tradeline data that is older than 24 months, but remains predictive

  • Uses rent, utility and telecom data when it is present in a consumer’s file

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