Inclusion360 powered by VantageScore™ Pinpoints Opportunities for Financial Inclusion

What is the new Inclusion360 tool?



Financial inclusion and its impact on wealth equality remain one of the most important issues facing consumers, lenders and policy makers. To enable greater financial inclusion, VantageScore has launched Inclusion360. The groundbreaking, open access, and interactive analytics platform uses comprehensive data sets to uncover previously underserved consumers by geographic market. VantageScore is an industry leader in driving financially inclusive credit outcomes for traditionally underserved groups including Black, Hispanic, and Asian consumers.
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How to use Inclusion360™: (1) Select a geographic area, (2) Select filters, (3) Download data



NEWLY SCOREABLE

Based on anonymized consumer credit data from Equifax, Experian and TransUnion and using the VantageScore 4.0 credit scoring model, there are approximately 37 million “newly scoreable” consumers in the United States. “Newly Scoreable” consumers are those who are not scoreable using conventional credit scoring models but can be scored by VantageScore 4.0.
Assess the “newly scoreable” opportunity in each type of consumer population segment and data points below:

Percent of Black Households

Proportion of households in selected area who are Black (estimated from 2019 ACS)

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Percent of Hispanic Households

Proportion of households in selected area who are Hispanic (estimated from 2019 ACS)

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Percent of White Households

Proportion of households in selected area who are White (estimated from 2019 ACS)

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Percent of Asian Households

Proportion of households in selected area who are Asian (estimated from 2019 ACS)

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PERCENT OF OTHER HOUSEHOLDS

Proportion of households in selected area defined as other include, American Indian Alaskan Natives, Native Hawaiian Pacific Islander and other (estimated from 2019 ACS)

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PERCENT OF CONVENTIONALLY SCORED

Proportion of credit-eligible consumers in selected area that are scored by conventional models, based on publicly available scoring criteria information

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PERCENT OF NEWLY SCORED

Proportion of credit-eligible consumers in selected area that are newly scored by VantageScore 4.0

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PERCENT SCORED BY VANTAGESCORE

Proportion of credit-eligible consumers in selected area that are scored by VantageScore 4.0. (Including conventionally and newly scored populations)

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AVERAGE VANTAGESCORE CREDIT SCORE

Average VantageScore 4.0 generated for credit-eligible consumers in selected area

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PERCENT NEWLY SCORED 620 AND ABOVE

Proportion of consumers newly scored by VantageScore 4.0 in selected area where score generated in 620 and above

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NEWLY LENDABLE OPPORTUNITY

Estimated number of consumers newly scored by VantageScore 4.0 in selected area

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Identifying The Opportunity



Inclusion360 powered by VantageScore is built using U.S. Census Bureau data from the 2019 5-Year American Community Survey (‘ACS Data’) combined with a sample of 15 million anonymized credit files from the three major credit reporting companies (Equifax, Experian, TransUnion). Using this data, we can map various data elements by:


  • Core-based Statistical Area (CBSA)
  • Public Use Microdata Area (PUMA)
  • County level 

  • Congressional District