2018 Validation study from VantageScore represents the inaugural
validation of VantageScore 4.0, the first and only tri-bureau credit
scoring model to incorporate trended credit data to predict consumer
credit risk. Trended credit data provides additional insights to
consumer credit risk because it monitors credit usage patterns over an
extended period while other credit score models only use information
from the most recent credit usage.
The validation study shows
VantageScore 4.0 outperformed across all major lending industries, in
both existing account management results as well as new account
originations, when it was compared with all pre-existing versions of
VantageScore and CRC scoring models.
Download the whitepaper for more details.