Tri-bureau credit scoring model
Based on mainstream credit data, VantageScore® is a highly predictive credit scoring model developed jointly by the top-three credit reporting companies (CRCs), Experian®, Equifax and TransUnion. VantageScore combines machine learning and advanced analytics to score a broader population while increasing consistency across all three CRCs*.
VantageScore 4.0, the latest iteration, provides even deeper insight into consumer credit behavior by incorporating trended credit data, which reflects patterns in consumer credit behavior over time. VantageScore 4.0 expands the scoreable universe to 96% of the U.S. adult population.
*VantageScore is a registered trademark of VantageScore Solutions, LLC.
Yields an incremental predictive performance lift among credit invisibles and thin-file consumers
Leverages 24 months of trended borrower behavior to provide a more complete view of consumer credit
Employs machine learning techniques to increase the scoreable universe by 37 million consumers
Optimize decisioning across the consumer life cycle
Expand your lending universe with our flagship composite credit scores. Lift Premium™ leverages expanded FCRA-regulated data, advanced analytics and machine learning to improve visibility of previously unscoreable consumers. We have a range of options depending on your particular need.
Gain powerful predictive capabilities that are tailored to your business needs and objectives. We can help you develop custom scoring models with our robust library of attributes and solutions.
Read the fourth annual model performance assessment of VantageScore 4.0.
Discover how fair and accurate credit risk assessments can provide more opportunities for more consumers to enter mainstream credit markets.
Learn more about the process of implementing a new credit scoring model for your business.