Models & Scores

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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...

July 21, 2016 by Guest Contributor

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

April 8, 2016 by Carrie Janot

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

February 25, 2016 by Carrie Janot

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

December 3, 2015 by Carrie Janot

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

October 8, 2015 by Carrie Janot

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

July 24, 2015 by Carrie Janot

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

June 11, 2015 by Carrie Janot

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...

February 17, 2015 by Carrie Janot

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

August 22, 2014 by Carrie Janot

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...

July 3, 2014 by Carrie Janot

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

June 20, 2014 by Stacie Baker

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,...

May 27, 2014 by Stacie Baker

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

May 9, 2014 by Stacie Baker

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

April 11, 2014 by Stacie Baker