VantageScore’s whitepaper “The Dynamic Relationship Between a Credit Score and Risk: How to Correctly Interpret a Credit Score During an Economic Downturn,” provides lenders and other users of credit scores transparent details about how the score-to-default risk relationship changes over time, and notes the importance of timely and active credit risk management in order to make proper portfolio adjustments and credit score cut-off recalibrations in response to shifts in the economy.
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