VantageScore is a leading credit scoring and analytics company, founded by Equifax, Experian, and TransUnion in 2006. It offers predictive credit scoring models used by over 3,400 banks and fintechs to assess consumer creditworthiness[1][3]. VantageScore provides free credit scores to consumers through various platforms like CreditWise and Credit Karma[2]. Its unique selling proposition is its inclusivity and predictive power, allowing scores for those with limited credit histories[4][5]. The target audience includes consumers seeking financial inclusion and lenders needing accurate risk assessments.