Many Consumers without Credit Scores are Creditworthy and Highly Qualified for Mortgages

Date: November 02, 2016

This infographic summarizes the findings of the VantageScore Solutions white paper, Exclusionary Credit Score Modeling Limits Access to Credit for Millions of Consumers … Perhaps Your Next-Door Neighbor

The study compared a subset of Americans rendered unscoreable by conventional credit scoring models (“expanded population”) with a subset of scoreable consumers with regular access to mainstream credit (“conventional population”), with similar financial fundamentals and creditworthiness. Among other findings, the study revealed that within these groups, conventionally scoreable consumers have significantly greater access to credit than expanded-population consumers.

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