The current state of credit...

Posted on Dec 03 2015 by
Experian® recently released the 2015 State of Credit report, which...

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Scoring millennials...

Posted on Nov 20 2015 by
According to a recent survey commissioned by VantageScore Solutions, millennials...

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Are you really using the same model at each bureau?...

Posted on Oct 08 2015 by
VantageScore® models are the only credit scoring models to employ...

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Newly scored population can be highly credit worthy...

Posted on Jul 24 2015 by
According to VantageScore® Solutions' annual validation study, VantageScore 3.0 scores 36 million incremental consumers considered unscoreable by conventional credit scoring models. The Gini coefficient for the newly scored...

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Bankcard utilization increases dramatically for lower tiers...

Posted on Apr 21 2015 by
While the average bankcard utilization rate hovered around 20% during the last quarter of 2014, utilization rates can vary greatly when analyzed by VantageScore® credit tier. Lenders can play a role in educating consumers...

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Many unscoreables are actually considered prime or near-prim...

Posted on Feb 17 2015 by
According to research from VantageScore® LLC, 30 to 35 million people are not scored by the most popular credit-scoring models. When measured by more modern scoring methodologies — methods that leverage the data that exists in...

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Minnesota dominates top 10 list...

Posted on Dec 19 2014 by
Experian's most recent State of Credit report analyzed the average credit scores for more than 100 metropolitan statistical areas (MSAs). The residents of Mankato, Minn., topped the list with the highest average credit score of...

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Rental data can help underbanked consumers gain access to cr...

Posted on Aug 22 2014 by
A recent study analyzing the impact of rental data on the credit scores of subsidized housing residents uncovered compelling results. The simulated analysis, which added 2 years of positive rental payment data to actual credit...

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Transitioning to a more predictive risk model...

Posted on Jul 03 2014 by
Universe expansion is key to any lender's growth strategy. Sophisticated, advanced risk models, such as the VantageScore®3.0 model, allow lenders to score up to 35 million more consumers than other risk models. When...

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