Tag: VantageScore

Loading...
Time to upgrade your credit score solution...

The 1990s brought us a wealth of innovative technology, including the Blackberry, Windows 98, and Nintendo. As much as we loved those inventions, we...

Read More Time to upgrade your credit score solution
Insights into the personal loan market...

A recent analysis revealed a 9-point negative shift in the average VantageScore® for personal loan originations from Q3 to Q4 of 2016. Additional insights...

Read More Insights into the personal loan market
Anticipating and growing personal loans in 2017...

Personal loans have been booming for the past couple of years with double-digit growth year-over-year. But the party can’t last forever, right? In a recent...

Read More Anticipating and growing personal loans in 2017
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...

Read More Benefits of credit scoring options
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...

Read More Advanced credit risk scores
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...

Read More Risk models stand the test of time
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...

Read More Creditworthy today but maybe not tomorrow
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...

Read More Rethinking the credit score
The current state of credit...

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

Read More The current state of credit
Scoring millennials...

According to a recent survey commissioned by VantageScore Solutions, millennials cite being unscoreable as the main obstacle to credit access. Among the findings: One-third...

Read More Scoring millennials
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...

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

Read More Newly scored population can be highly credit worthy
Bankcard utilization increases dramatically for lower ...

While the average bankcard utilization rate hovered around 20% during the last quarter of 2014, utilization rates can vary greatly when analyzed by VantageScore®...

Read More Bankcard utilization increases dramatically for lower tiers
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
Minnesota dominates top 10 list...

Experian's most recent State of Credit report analyzed the average credit scores for more than 100 metropolitan statistical areas (MSAs)....

Read More Minnesota dominates top 10 list