VantageScore is the only model to be developed jointly by all three national credit reporting companies.
VantageScore 2.0 was created using data blended from two different timeframes, and pulled from the most recent lending environment, 2006-2008 and 2007-2009. It uses a national sample of anonymous credit information of approximately 15 million consumers.
The VantageScore ranges from 990 to 501 and it is grouped as follows:
- A: 901-990
- B: 801-900
- C: 701-800
- D: 601-700
- F: 501-600