Do ABS Investors Want Credit Score Competition?

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Better Credit Scores, Smarter Securitization.

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What’s behind the performance of VantageScore®

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cyber security

VantageScore in Capital Markets

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credit with a conscience

ESG and Consumer ABS Portfolios

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Keep up with the evolving credit industry with timely information from top credit experts

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More Inclusive Credit Scores for Mortgages Supported in Regulator Listening Session

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ABS & RMBS Markets



VantageScore credit scores are often used by capital markets’ participants in both the consumer lending asset-backed securities market (ABS) and the residential mortgage-backed securities (RMBS) market.

With coverage of approximately 96% of U.S. consumers age 18 and above, VantageScore is a trusted source of credit-score information for borrowers across the credit spectrum — from Super Prime to Subprime.


Super Prime: 781 - 850

Prime: 661 - 780

Near Prime: 601 - 660

Subprime/Not Prime: 300 - 600

Underwriters and institutional investors use VantageScore credit scores as part of their investment decision-making. Institutions across capital markets value VantageScore for a variety of reasons:

  • Utilizes tri-bureau data (Equifax, Experian, TransUnion) to derive scores.

  • Credit scores are updated monthly allowing for rigorous surveillance processes.

  • Provides on-going, transparent and public reporting of VantageScore model performance assessments and methodology.

  • Covers 10.7 million underserved consumers unscorable by legacy methods, while maintaining safety and soundness.

  • Same standard of care is used across the credit spectrum. Score transparency facilitates deeper insight into risk profiles, providing more efficient and effective communication of risk throughout the ABS lifecycle.

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SUPPORTIVE

Capital Markets Industry Supports Credit Score Competition



FTI Consulting: 93% of ABS and RMBS Investors Support Greater Competition in Credit Scoring

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VantageScore has revolutionized the credit scoring marketplace by leveraging data analytics to make access to credit more equitable since 2006.

More than 2,500 unique users of VantageScore credit scores, including 2,200 financial institutions. Credit card issuers and banks and thrifts accounted for over half (52%) of all usage of VantageScore credit scores. Nine of the 10 largest banks and 29 of the 100 largest credit unions used VantageScore credit scores in one or more lines of business.

Putting The "S" in ESG


Institutions who utilize VantageScore are able to demonstrate social impact by extending credit to creditworthy consumers historically underserved. Securitizations that cite VantageScore are recognized for high levels of accuracy and transparency combined with inclusivity, safety and soundness.

  • Cover underserved and mainstream consumers

  • Feature geographically based insights
  • Offer comparable performance

  • Enable rigorous surveillance process

  • Acheive ratings agency recognition

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“We now utilize VantageScore (“Vantage”) credit scores to assist in our assessment of credit quality as we believe Vantage scores more U.S. consumers, and potential applicants, as compared to our prior use of FICO credit scores”
TOP 5 CREDIT CARD ISSUER
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BILLION

VANTAGESCORES USED FROM JULY 2018 - JUNE 2019

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BILLION

VANTAGESCORES PROVIDED BY CONSUMER WEBSITES

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BILLION

VANTAGESCORES USED BY CREDIT-CARD ISSUERS

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