VantageScore 5.0
The 2025 release from VantageScore, integrating 'Alternative Data' to score even more consumers.
VantageScore Models
Comparison of the versions (3.0, 4.0, 5.0) of the VantageScore credit scoring method.
VantageScore 4.0
The first scoring model to include 'trended data' to better predict consumer credit behavior.
VantageScore 3.0
The most popular consumer-facing credit score used by Credit Karma, Chase, and Capital One.
VantageScore models have evolved significantly since their launch in 2006. While FICO 8 remains the industry standard for most lenders, VantageScore (especially 3.0) has become the de-facto standard for consumer monitoring and fintech-based lending.
Version Comparison
VantageScore 3.0
The most widely used version by credit monitoring services like Credit Karma, Chase Credit Journey, and Capital One CreditWise. It uses a simpler, more accessible scoring model that focuses on more recent behavior.
- Most Popular: Used by over 20 billion scores annually for consumer educational monitoring and credit line management.
- Inclusive: Scores consumers with only one month of credit history.
VantageScore 4.0
The first model to use trended data, looking at how a consumer’s credit behavior has changed over time rather than just a snapshot in time.
VantageScore 5.0
The newest 2025 release, which integrates even more alternative data points to score “thin-file” consumers more accurately.