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Implement VantageScore
Familiar Score Range
VantageScore 4.0 and VantageScore 3.0 scores range from 300-850, aligned with the numerical score range lenders are used to.
Common Model Used Across All Three Bureaus
The same VantageScore algorithm is used for Equifax, Experian and TransUnion to help assure score consistency across bureaus.
Easy-to-Understand Reason Codes
Communications to consumers about factors that impact their credit score are written clearly and concisely. We also provide information they need to improve their score over time.
Helpful Resources
More credit-scoring knowledge helps consumers make better credit management decisions. Our blog, website, podcast, YouTube channel and other educational materials keep them in the know.
Download Fair Lending Assessment
Download Statistical Bias Testing
Building the Business Case
In today's dynamic business landscape, the decision to migrate systems or processes often requires a thorough examination of the potential benefits and risks involved. Building a strong business case is essential to justify this complex and impactful decision-making process.
Inclusion360®
An open-sourced, interactive digital tool that allows users to pinpoint opportunities for financial inclusion across the U.S.
MarketGain™
A leading-edge customized analysis that provides data and insights to lenders and fin-techs about how their specific addressable market could increase with the implementation of VantageScore 4.0.
Model Deep Dives
A series of white papers and fact sheets that explain the features and benefits of VantageScore 4.0 including the inclusion of trended credit data and how machine learning was used to drive predictive performance among population segments with limited credit histories.
CreditGauge™
Relevant insights including the US consumer average VantageScore® credit score, as well as key consumer credit metrics that underpin the VantageScore® credit scoring model such as delinquencies, balance-to-loan ratios, and new account openings.
Testing & Validation
Migrating to a new credit score model is a big step for organizations looking to embark on transformational initiatives. By proactively identifying and addressing risks, organizations can mitigate potential setbacks and ensure a smoother migration process.
Migration Playbook
A step-by-step guide for lenders to migrate to VantageScore 4.0 including model overviews, migration methodologies and downstream impact considerations.
User Guide
A deep dive into VantageScore 4.0 that includes sample design, performance information, attribute descriptions, segmentation analysis, scorecard segmentation and other key dimensions of the model.
RiskRatio™
A digital tool that provides lenders, and those in the capital markets, with the ability to refresh the relationship between credit scores and delinquency rates measured over a 6 to 24-month period.
Annual Model Assessment
An annual analysis of how the VantageScore 4.0 model is performing across loan categories and risk profiles.
Compliance
Consumer lending and credit decisions in particular are highly regulated. Effective model governance is also considered best practices and VantageScore transparently makes multiple resources and documentation available to users.
Fair Lending Assessment
Documentation associated with testing performed to assess whether any attribute used by the VantageScore 4.0 model is based directly or is highly correlated with a protected class.
Statistical Bias Testing
Included as part of the annual model assessment. This is an analysis that ensures the probability of default (PD) remains consistent across population segments and that there is no preferential treatment or mistreatment of population segments. Available upon request.
Reason Codes and ReasonCode.org
FCRA-compliant and simplified reason codes with additional explanations and consumer tips.
Brand Standards Guide
Guidance for how to refer to VantageScore externally including when displaying VantageScore 4.0 scores to consumers.
Capital Markets
Many consumer lenders rely on securitization and institutional investors for funding. VantageScore is now a preferred metric in these markets. Our tools enhance risk transparency in transactions involving loans with VantageScore, supporting best execution strategies.
RiskRatio™
A digital tool that provides lenders, and those in the capital markets, with the ability to refresh the relationship between credit scores and delinquency rates measured over a 6 to 24-month period.
ABS "Tombstones"
An ongoing listing of asset backed security transactions consisting of pools of loans underwritten using VantageScore credit scores
VantageScore's Fast-Growing Market Adoption
Over 3,700 banks, fintechs and other institutions use VantageScore credit scores every day to assess consumer creditworthiness. Last year, 42 billion VantageScore credit scores were used representing a 55% yearly increase. All top 10 banks use VantageScore credit scores or digital tools in one or more lines of business.
