Who Uses VantageScore? These Banks, Mortgage Lenders, etc…

Credit score on a phone

Short Answer

VantageScore is used by banks like Capital One, Chase, and U.S. Bank, mortgage lender SoFi, and tenant screening service providers ApplyConnect, Cozy, and LeaseRunner.

What Is VantageScore?

VantageScore is a credit scoring system similar to the Fair Isaac Corporation (FICO) scoring system.

Like FICO, VantageScore is often used by landlords, banks, and mortgage lenders to calculate the risk involved in lending someone credit or money.

But, a key difference is that while FICO requires at least six months of credit history before it provides a score, VantageScore calculates a credit score after one month of credit history.

There are currently two versions of VantageScore: VantageScore 3.0 and VantageScore 4.0. Both versions give a credit score between 300 and 850.

The latest version includes updates to the scoring system that give less weight to tax liens and civil judgments. It also prioritizes credit card debts over unpaid medical bills.

All of the features of VantageScore 4.0 can be found on the VantageScore website.

Who Uses VantageScore?

We’ve listed the places that use VantageScore — from financial institutions and mortgage lenders to rental agencies and tenant screening services — along with the version each company uses.

Financial Institutions

Capital One logo

Capital One

  • Version: Capital One uses VantageScore 3.0 for its CreditWise credit monitoring service. For other services like credit card applications, Capital One would not disclose whether it uses VantageScore or FICO.
  • Source: Capital One customer service representatives; Capital One CreditWise page

Chase Bank logo


  • Version: Chase uses VantageScore 3.0 for the Chase Credit Journey, which allows customers to monitor their credit score. For other services like loan applications, Chase uses your credit report and FICO score.
  • Source: Chase customer service representatives; Chase Credit Journey page

US Bank logo

U.S. Bank

  • Version: U.S. Bank uses VantageScore 3.0 for its Because You’ve Earned It program. For other services like credit card applications, U.S. Bank uses FICO.
  • Source: U.S. Bank customer service representatives; U.S. Bank Because You’ve Earned It page

Mortgage Lenders

SoFi logo


  • Version: SoFi uses both VantageScore 4.0 and FICO.
  • Source: SoFi customer service representatives; SoFi website

Rental Agencies and Tenant Screening Services

ApplyConnect logo


  • Version: ApplyConnect uses both VantageScore 3.0 and FICO for its tenant screening credit checks.
  • Source: ApplyConnect representative; ApplyConnect website


  • Version: Cozy uses VantageScore 3.0 for its tenant screening credit checks.
  • Source: Cozy representative; Cozy website

Lease Runner logo


  • Version: LeaseRunner uses VantageScore 3.0 for its tenant screening credit checks.
  • Source: LeaseRunner representative; LeaseRunner website

Companies That May Use VantageScore

The following companies would not disclose whether they use FICO, VantageScore, or both when reviewing your credit:

Financial Institutions

  • Citizens Bank
  • Digital Federal Credit Union
  • Navy Federal Credit Union

Mortgage Lenders

  • CashCall Mortgage

Online Lenders

  • ACE Cash Express
  • Cash Central

Rental Agencies and Tenant Screening Services

  • National Home Rentals
  • Real Property Management

Companies That Don’t Use VantageScore

During our research, we found several companies that said they don’t use VantageScore and, instead, review your FICO score.

Financial Institutions

  • Alliant Credit Union
  • Bank of America
  • BB&T
  • Citibank
  • Comenity Bank
  • Regions
  • SunTrust
  • Synchrony Bank
  • Wells Fargo

Mortgage Lenders

  • Alterra Home Loans
  • Carrington Mortgage Services
  • Fannie Mae
  • Freddie Mac
  • New American Funding
  • Quicken Loans

Rental Agencies and Tenant Screening Services

  • Buildium
  • E-Renter
  • MyRental
  • RentPrep
  • ScreeningWorks

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