Models & Scores

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Benefits of credit scoring options...

Looking to score more consumers, but worried about increased risk? A recent VantageScore LLC study found that consumers rendered “unscoreable” by commonly used credit...

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Advanced credit risk scores...

Lenders are looking for ways to accurately score more consumers and grow their applicant pool without increasing risk. And it looks like more and...

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Risk models stand the test of time...

As credit behavior and economic conditions continue to evolve, using a model that is validated regularly can give lenders greater confidence in the model’s...

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Creditworthy today but maybe not tomorrow...

A recent study by VantageScore Solutions, LLC analyzed if consumers would continue to be creditworthy over time. Highlights about consumer credit score migration over...

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Rethinking the credit score...

A recent survey commissioned by VantageScore Solutions, LLC found that among consumers who are unable to obtain credit, 27% attribute the situation to lack...

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The current state of credit...

Experian® recently released the 2015 State of Credit report, which analyzes key credit metrics across the nation....

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

VantageScore® models are the only credit scoring models to employ the same characteristic information and model design across the three credit...

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Newly scored population can be highly credit worthy...

According to VantageScore® Solutions' annual validation study, VantageScore 3.0 scores 36 million incremental consumers considered unscoreable by conventional credit scoring models....

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Home buying with swagger...

As the summer home buying season kicks into high gear, a newly released survey shows the importance of understanding credit scores and their impact...

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Many unscoreables are actually considered prime or nea...

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...

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Rental data can help underbanked consumers gain access...

A recent study analyzing the impact of rental data on the credit scores of subsidized housing residents uncovered compelling...

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Transitioning to a more predictive risk model...

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...

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Financial responsibility makes a prospective spouse mo...

A recent Experian Consumer Services survey focusing on the most important attributes in a prospective spouse found that married adults value financial responsibility more...

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Average debt amounts increase while average credit sco...

Experian's most recent Credit Trends study analyzing current debt levels and credit scores in the top 20 major U.S. metropolitan areas found that Detroit,...

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Study explores how frequently lenders validate credit ...

As part of its guidance, the Office of the Comptroller of the Currency recommends that lenders perform regular validations of their credit score models...

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