Lenders

The Dynamic Relationship Between a Credit Score and Risk

VantageScore’s whitepaper “The Dynamic Relationship Between a Credit Score and Risk: How to Correctly Interpret a Credit Score During an Economic Downturn,” provides lenders and other users of credit scores transparent details about how the score-to-default risk relationship changes over time, and notes the importance of timely and active credit risk management in order to make proper portfolio adjustments and credit score cut-off recalibrations in response to shifts in the economy.

Read the study.


2020: VantageScore Model Performance Assessment

This 2020 report represents the third annual model performance assessment of VantageScore 4.0 (which was launched in April 2017). The model is the first and only tri-bureau credit scoring model to incorporate for superior performance both trended credit data and leverage machine learning.

Read the study.


Understanding Your Credit Score and How it Changes

In this white paper, we provide insights on the key factors impacting a consumer’s VantageScore credit score and walk through some specific actions that can lead to changes in the score. We demonstrate how a score changes using some examples of consumer profiles, representing different levels of experience and histories with credit products.

Read the study.


Implementing a New Credit Score in Lender Strategies (UPDATED)

There is just one central question that must be answered for successfully converting a strategy to use anew credit score: What is the value of the new score (NewScore) that represents the same default rate or population volume designated by the previous score (OldScore)? All conversion processes revolve around answering this question and essentially follow the same steps. Read this UPDATED whitepaper to learn more.

Read the study.


VantageScore Market Adoption Study 2019

A recent study conducted by global management consulting and research firm Oliver Wyman concludes that usage of VantageScore credit scores is deep and mainstream, and that it occurs in all credit categories except the mortgage market.

Read the Study


Improved Assessment of Credit Health Using Trended Credit Data

This white paper introduces trended credit data and examines how direct credit management behaviors over time become a stronger indicator of credit risk versus static behavioral snapshots.

Read the Study


2019 Model Performance Assessment of VantageScore 4.0

This 2019 report represents the second annual model performance assessment of VantageScore 4.0 (launched in April 2017). The model is the first tri-bureau credit scoring model to incorporate trended credit data and leverage machine learning for superior performance.

Read the Study


Browse More Research

From regulations to research, VantageScore Solutions presents a closer look at the latest issues facing the credit industry with even more research studies, fact sheets and infographics.

See Current Experience