How To Implement

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Designed for Streamlined Implementation

The VantageScore 3.0 and 4.0 models include a variety of features that make it easier for lenders to implement and we offer a wide range of supporting materials to assist in the implementation process.

300-850 Score Range

VantageScore 3.0 and 4.0 credit scores range from 300 to 850, employing a numerical scale more familiar to lenders and consumers than the range of 501-990 used by earlier VantageScore models.

The Same Model is Used Across All Bureaus

VantageScore models are the only true tri-bureau credit scoring models which use the same algorithm for all three national credit reporting companies (CRCs), Equifax, Experian and TransUnion. Other conventional models require custom programming for each CRC database – a process which introduces additional variation in score results. With VantageScore, any variation in credit scores that consumers contemporaneously obtain from the three CRCs will be due solely to variations in the contents of the consumers’ credit files.

Fewer, Easier-to-Understand Reason Codes

Both VantageScore 3.0 and 4.0 models have fewer reason codes and all are written in plain English for easier understanding. We also created ReasonCode.org as an educational resource for consumers who want to learn more about the reason codes they receive and are looking for ways to improve their credit scores over time.

Consumer Resources

Empowering consumers with more credit scoring knowledge helps them make better credit management decisions. Our consumer website, blog, and VantageScore YouTube Channel host a wealth of credit scoring information and videos for consumers wanting to learn more about their credit. Plus, the Credit Score Quiz, co-sponsored with the Consumer Federation of America, helps borrowers test and improve their knowledge of credit scoring and its importance to financial health.

How to Get Started

Evaluating credit risk and identifying creditworthy borrowers is a constant challenge. Upgrading to a modern credit scoring model can help ensure success. VantageScore 4.0 is more predictive and scores more people, more consistently.

Validate VantageScore and see how we compare with your current model. Contact your CRC representative to start testing us today.

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