A Decade of Validation Demonstrates Superior Performance - VantageScore

Document: Published Jul 8, 2016

To promote transparency and aid in model governance, VantageScore Solutions publishes validations results annually, along with updated odds/performance charts. This paper highlights the most recent validation results and also presents insights gleaned from a decade of credit score model performance validations.

Related Resources

  • DataArc 360TM for accurate Metro 2® accurate credit reporting
    Document Published Date: Published Sep 13, 2017

    When you report consumer information to the credit bureaus, accuracy matters. That’s why the Consumer Data Industry Association (CDIA) created the Metro 2® data format for consumer credit information. To help data furnishers meet the requirements of the Metro 2 format, we developed DataArc 360™.

    This solution combines our innovative data management platform, Experian Pandora, with our trusted expertise in credit reporting. With DataArc 360™, you get our most powerful data discovery, transformation, and monitoring capabilities together with more than 115 pre-configured Metro 2® rules built in. This means that you can assess data files for a range of metrics and gain instant visibility into the quality of your consumer data files, enabling you to resolve errors before they become disputes.

    Read more about how we can help you comply with financial regulations.

  • Compliance as a Differentiator
    Document Published Date: Published Jan 18, 2017

    The number of regulations imposed on financial institutions has grown significantly over the past five years, and the level of complexity behind each regulation is high, requiring in-depth knowledge to implement and comply. Lenders have to understand the full complexity of both national and international regulations, so they can find the unique balance to meet compliance obligations while identifying profitable business opportunities.

  • Business case for fraud prevention compliance requirements
    Document Published Date: Published Nov 21, 2016

    Justifying financial investment for compliance and fraud prevention technology is challenging. In addition to understanding the numerous and complex compliance agendas, one also must equate the value of business enablement to the bottom line. Businesses are seeking cost-effective, flexible tools that will allow them to meet current and future guidelines, manage risk and ultimately authenticate as many good customers as possible — all while segmenting out only the real fraudsters and noncompliant identities.

    Understanding the benefits of such a robust program that supports both risk mitigation and the customer experience is essential to building the business case for fraud prevention.

Experian and the Experian marks used herein are service marks or registered trademarks of Experian Informations Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.