What are Credit Scores?
A credit score is a rating used by a lender to help determine whether you qualify for a mortgage, credit card, loan, or service. The credit reporting company analyzes information in your credit file using a mathematical formula to yield your credit score.

Credit scores estimate the risk a company incurs by extending you credit. One example is that if your past credit history shows failure to make payments on loans, it is likely that you'll fail to make payments in the next two years. The higher your score, the less risk you are to the lender. Scores range from 501 to 990.

By combining analytic techniques with a scale for scoring, VantageScore Software will provide consumers and businesses with a highly predictive, consistent score that is easy to understand and apply.

VantageScore is being independently marketed and sold separately through each of the three national credit reporting companies via licensing agreements with VantageScore Solutions, LLC. VantageScore is commercially available now.

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