VantageScore®
Tri-bureau credit scoring model
A new standard for credit scoring
Based on mainstream credit data, VantageScore® is a highly predictive credit scoring model developed jointly by the top three credit reporting companies (CRCs), Experian®, Equifax and TransUnion. VantageScore combines machine learning and advanced analytics to score a broader population while increasing consistency across all three CRCs.
VantageScore 5.0 is the latest iteration, a tri-bureau credit scoring model offering superior stability with product-specific inputs and GAIN Attributes™, which enhance predictive performance through granular account-level predictions based on current and historical credit behaviors.
*VantageScore is a registered trademark of VantageScore Solutions, LLC.
Predictive performance
Yields an incremental predictive performance lift among credit invisibles and thin-file consumers.
Trended data attributes
Leverages 24 months of trended borrower behavior to provide a more complete view of consumer credit.
Universe expansion
Employs machine learning techniques to increase the scoreable universe by 33 million consumers.
Harness the power of machine learning and trended data
Optimize decisioning across the consumer lifecycle
Product benefits
- Score more customers: expanding the lendable population without increasing risk with the ability to score 33 million more consumers
- Predictive lift: outperforms previous VantageScore models in every major credit category, with a significant overall predictive lift and optimized for use cases such as loan originations and unsecured lending
- Refreshed data: reflects the latest credit products and most recent trends in consumer behavior
- Consistent scoring: generates more consistent credit scores across all three bureaus
- Yearly assessments: ensures highly predictive and consistent credit scores with annual performance tests
VantageScore 3.0
Introduced in 2013, this version provides a unified credit scoring model across all three bureaus, incorporating rent, utility, and telecom payments, and ignores paid collections and recent medical collections.
VantageScore 4.0
Launched in 2017, this version enhances predictive accuracy by incorporating trended data and advanced machine learning techniques, while continuing to ignore paid collections and recent medical collections.
Unlocking the future of credit scoring: VantageScore® 5.0
VantageScore 5.0: Advanced analytics and trended data enhance risk differentiation, optimize loan originations, and expand universe access.
Credit scoring and financial inclusion
Discover how fair and accurate credit risk assessments can provide more opportunities for more consumers to enter mainstream credit markets.
Implementing a new credit score in lender strategies
Learn more about the process of implementing a new credit scoring model for your business.
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