Anything but Conventional: By Leveraging New Modeling Techniques and Better Data, Tens of Millions More Consumers Get Even More Predictive Credit Scores


Date: December 26, 2018

This research analyzes the following:

  • There are tens of millions of consumers including those with relatively low levels of credit risk who are not scoreable with conventional models.
  • Given the same credit score, there is no statistically significant difference in default outcomes between conventionally scored consumers and newly scoreable consumers even though different elements of their credit report are being utilized.
  • Newly scoreable consumers do not exhibit different default rates (measured as delinquency of 90 days or more over 24-months) compared to conventionally scored consumers with similar scores.
  • Further, across all product categories, how quickly a consumer defaults on a new loan is comparable between newly scoreable consumers and conventionally scored consumers with similar scores.

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See all the performance data and insights on VantageScore’s advantage in the credit card industry.

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