Credit Cornerstone Weekly Credit Trends and Data Intelligence
Using data from blended time
frames produces greater score
stability over time
December 30, 2010

As a result of the volatile economy, consumer behavior has changed significantly over the past several years, which may have impacted the predictiveness of risk models.

In fact, Barrett Burns, President and Chief Executive Officer of VantageScore Solutions, LLC, explained, "Building VantageScore 2.0 using a blend of consumer behaviors from 2006 to 2009 produces greater score stability over time. We've recently experienced a variety of economic scenarios, including an increase in foreclosures in the housing market and changing payment hierarchy among consumers. Developing a score over the extended time window reduces the scoring model's sensitivity to the peak of this behavior."

To gain more perspective, visit our blog.

Source: VantageScore Solutions, LLC, Oct. 20, 2010, newsletter

November 2010
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