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VantageScore 5.0
The most advanced and predictive tri-bureau credit scoring model in the market.
VantageScore 5.0 is designed to revolutionize credit assessment by delivering stronger insights into consumer creditworthiness, especially in the unsecured credit markets and among those with limited credit histories.
The model uses advanced data science to enhance accuracy, boost predictiveness, and unlock new growth opportunities for lenders, particularly those focused on unsecured lending products.
Lenders can capture as much as 5.6% more 90 or more days past due accounts in the bottom 20% of the credit score distribution as compared to VantageScore 3.0 and more accurately expand credit access to unsecured lending products to traditionally underserved borrowers.
Innovative and proprietary GAIN Attributes™ developed by VantageScore generate insights beyond traditional scoring inputs.
VantageScore 5.0 delivers strong insights into the creditworthiness of traditionally underserved consumers.
Expanded Reach with GAIN Attributes™
VantageScore 5.0 harnesses the power of the company's innovative and proprietary GAIN Attributes™ to assess consumer credit files, providing a significant lift in originations — ideal for reaching new markets and boosting customer acquisition.
Innovative Scoring Approach
VantageScore 5.0 leverages a product-specific design to enhance model accuracy and address lenders' unique requirements. This approach significantly improves predictive performance, providing lenders with a clearer view of consumer creditworthiness.
For unsecured products such as retail card and personal loan originations:
Up to 9% predictive lift over VantageScore 3.0.
Superior Model Stability
Using an innovative and simple model design, the VantageScore 5.0 model is structured to more accurately reflect consumer creditworthiness over time with limited level of score volatility.
VantageScore 5.0 offers a highly stable model over previous versions of VantageScore.
Enhanced Predictive Power
VantageScore 5.0 provides a significant lift in originations, especially for consumers with thin, young, or dormant files. This offers lenders a reliable way to expand their pool of creditworthy applicants.
For originations of thin file, inactive file, and young file consumers:
As much as 9% predictive lift over VantageScore 3.0.
Why Pilot VantageScore 5.0?
Stay at the forefront of credit innovation by piloting VantageScore 5.0, the most advanced tri-bureau credit scoring model available.
VantageScore 5.0 is designed to reduce credit score migration due to segmentation and to enhance accuracy and consistency of lending decisions.
Unlock new customer segments with proven predictive lifts in originations, especially for hard-to-score individuals and for unsecured loan products.
Benefit from VantageScore's extensive testing, which shows VantageScore 5.0 outperforms benchmarks, making it a critical addition to any lender’s toolkit.
Contact us today to discuss pilot opportunities and see how the most advanced tri-bureau credit score in the market can drive growth for your business.
