VantageScore^® was founded by the three leading credit reporting agencies – Experian, Equifax, and TransUnion. This credit score model was developed by a representative team of statisticians, analysts, and credit data experts from each of the credit reporting companies, and is used by hundreds of institutions, including credit unions, banks, credit card issuers, and mortgage lenders.

The VantageScore^® 3.0, the score that is shown when you use Credit Score in online banking or Reliant’s mobile app, is a newer and more popular version of VantageScore^®. It is calculated on a scale of 300-850, with 300 being the lowest and 850 the highest score.