Models & Scores

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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...

Read More Many unscoreables are actually considered prime or near-prime
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...

Read More Rental data can help underbanked consumers gain access to credit
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...

Read More Financial responsibility makes a prospective spouse more attractive
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,...

Read More Average debt amounts increase while average credit scores hold steady
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...

Read More Study explores how frequently lenders validate credit scores
Lender survey shows concern over consumer understandin...

In an effort to understand consumer needs better and help lenders educate their customers, VantageScore® Solutions surveyed more than 200 lenders nationwide on the...

Read More Lender survey shows concern over consumer understanding of credit scores and reason codes