Why it's easy to implement

Crack the codes.

Wonder what those VantageScore reason codes really mean? Easy translations just a click away.

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The latest and greatest.

Review this fact sheet to learn more about the advantages of VantageScore 3.0.


The VantageScore 3.0 model includes a variety of features that make it easier for lenders to implement.

A new score range

VantageScore 3.0 credit scores now range from 300 to 850, a numerical scale more familiar to lenders and consumers.

Single model used across all CRCs

The VantageScore 3.0 model is a single credit scoring model deployed at all three CRCs to enhance risk alignment. Not only does this approach facilitate more consistent scoring across all CRCs, it enhances the level of confidence across lenders of all types.

Fewer, easier-to-understand reason codes

Both lenders and consumers will appreciate that the VantageScore 3.0 model has fewer reason codes. The codes were written in plain English to help consumers better understand how data in their credit files impacts their credit scores. Better still, VantageScore Solutions created a new website, ReasonCode.org, for consumers who want to learn more about the reason codes they receive as a result of score disclosure and adverse action notices. ReasonCode.org also provides suggestions on how consumers can improve their credit scores over time.

An informed borrower is a better borrower. Empowering consumers with knowledge about credit scoring helps them make better credit management decisions.