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VantageScore 4.0 Attributes
Unlock the Power of VantageScore 4.0 Attributes for Your Lending Strategies
VantageScore 4.0 attributes are the key drivers behind the highly predictive and fastest growing credit score model in the marketplace.
VantageScore 4.0 attributes are highly predictive, rigorously tested, and built on over 17 years of data innovation. Now available to larger lenders and fintechs, these attributes allow for the creation of custom models and scoring solutions, enabling more precise risk differentiation and stronger credit decisions.
Tri-Bureau Trended Attributes
Consistent and comprehensive credit file derived attributes across all three major NCRAs.
Innovative Indexed Attributes
Providing percentile values for consumers for more accurate risk differentiation.
Proven and Vetted
Successfully tested across multiple credit cycles for all major consumer credit products.
Fair and Inclusive
Compliant with regulatory standards and accessible for a broader range of consumers, including those with limited credit history.
Recently, third-party research from both Bank of America Securities and JP Morgan Chase Securities have found that VantageScore provides superior risk assessments than competitive credit score models. Bank of America concluded that VantageScore 4.0 is considered a broader (potentially better) credit metric than Classic FICO,” and is a, “better indicator for cashout activity and credit performance.”
What makes VantageScore 4.0 attributes unique?
VantageScore 4.0 attributes are tri-bureau, meaning they interpret data from all three NCRAs consistently. They are also highly predictive, leveraging over 17 years of data science innovations. The attributes include both proprietary trended data and indexed attributes, offering a more complete picture of a consumer's creditworthiness.
How can VantageScore 4.0 attributes improve my custom models?
Lenders use these attributes to build custom scoring solutions that are tailored to specific lending strategies. Indexed attributes help rank consumers based on relative performance, enabling lenders to better differentiate risk and adjust credit policies to current market conditions.
Were VantageScore 4.0 attributes reviewed from a fair lending standpoint?
Yes. Each attribute has undergone extensive fair lending examinations by VantageScore, ensuring they are inclusive and meet regulatory standards. This compliance helps lenders reach a broader range of consumers, including those with thin credit files.
How do indexed and trended attributes benefit my lending strategy?
Trended attributes provide insights into a consumer’s relative credit behavior over time, offering a fuller picture of creditworthiness. Indexed attributes allow lenders to assess relative risk by providing percentile values for consumers across attributes, making it easier to track and adjust to macroeconomic changes.
How can lenders access VantageScore 4.0's attributes?
VantageScore 4.0 attributes will be made available to lenders according to each national credit reporting agency's (NCRA) schedule. Please reach out to your NCRA representative to get details on their specific release timing.
