Vantagescore 40

Tagline Brand's website · 2026-10-04

VantageScore 4.0 is noted for its inclusiveness, advanced predictive capabilities, and specific methodological changes like considering up to two years of credit utilization. It is a tri-bureau score and is required for mortgage applications by Fannie Mae and Freddie Mac, distinguishing it from alternative models.

Description Brand's website · 2026-10-04

VantageScore 4.0 is a credit scoring model developed by VantageScore Solutions, designed to provide an inclusive and predictive assessment of an individual's financial responsibility. It is widely used by lenders for credit card and loan approvals, including being required for mortgage applications by Fannie Mae and Freddie Mac. The model calculates a credit score (300-850) based on factors like payment history, depth of credit, credit utilization, recent credit, balances, and available credit, with a particular emphasis on payment history and new credit.

Core capabilities Brand's website · 2026-10-04

• Credit scoring models (VantageScore 4.0
• 3.0
• 4plus
• 5.0)

Pricing Brand's website · 2026-10-04

VantageScore models are licensed to financial institutions. Consumers can often access their VantageScore for free through banks and credit card issuers or purchase it from nationwide consumer reporting agencies.

Target industry Brand's website · 2026-10-04

Financial institutions (lenders, credit card issuers) and consumers seeking to understand and improve their credit scores.

Competitors Brand's website · 2026-10-04

• FICO