VantageScore 3.0

Better predictive ability among sought-after borrowers

What is VantageScore 3.0?

VantageScore 3.0 is our game-changing model that offered unparalleled predictive ability in evaluating a borrower's creditworthiness, providing a 25% predictive lift over earlier models among prime and near-prime consumers, and generating scores for 30-35 million previously "unscorable" consumers.

Since VantageScore 3.0's release, we have been busy refining and making our credit-scoring model even better with VantageScore 4.0 and VantageScore 4plus™.

Model Highlights

Advanced Analytics and Granular Data

The VantageScore 3.0 model uses advanced analytics and more granular credit data for the most predictive and consistent credit scores.

Enhanced Creditworthiness Evaluation

By leveraging data from the three national Credit Reporting Companies, VantageScore 3.0 offers superior accuracy in assessing creditworthiness.

25% Predictive Lift for Prime Consumers

VantageScore 3.0 provides a 25% predictive lift among prime and near-prime consumers, improving risk assessment for lenders.

Scoring Previously Unscorable Consumers

The model scores 30-35 million previously 'unscorable' consumers by considering their entire credit history, not just the most recent 24 months.

Inclusion of Alternative Data Yields More Opportunities

VantageScore 3.0 includes alternative data, expanding opportunities for lenders to reach new customers.

Simplified Implementation for Lenders

Changes in the model make it easier for lenders to implement, including a new score range (300-850) and simplified reason codes.

Interested in Our Other Models?
VantageScore 4 plus

VantageScore 4.0 Attributes

VantageScore 4.0

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