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Many of the nation’s top lenders, including national and regional banking institutions, credit unions, mortgage companies and credit card issuers, use the VantageScore model.

Extensive secondary market adoption

Many of the most sophisticated secondary market participants use the VantageScore model to help evaluate and monitor risk, and to price and benchmark deals more accurately. Credit rating agencies accept loans based on the VantageScore model, and it’s the dominant model used in the valuation of previously issued, private-label mortgage-backed securities.

Fitch Ratings. Fitch Ratings accepts loans based on VantageScore credit scores, and has fully incorporated the VantageScore model into ResiLogic 2.1, Fitch’s flagship quantitative model for credit risk analysis at the individual loan and pool level for residential mortgages.

According to Fitch: “VantageScore provides highly predictive evaluations of consumer creditworthiness.”

Standard & Poor’s. Standard & Poor’s clients can include the VantageScore model in collateral characteristics when submitting portfolios of residential mortgage loans for rating purposes.

Industry platforms

Major industry-platform standards have the VantageScore model embedded. Among them:

  • MISMO 3
  • American Securitization Forum’s Project RESTART
  • All major vendors who provide software systems for lenders and credit bureaus to communicate.