Learn how VantageScore® ensures consistency in score outcomes for different race and ethnicity groups
Testing for Statistical Bias:
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Learn more with Inclusion360™ Powered by VantageScore®
How many consumers lack conventional credit scores in your district?
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More Inclusive Credit Scores for Mortgages Supported in Regulator Listening Session
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Alternative data demonstrated to provide material benefits for consumers with limited credit histories
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Who’s scoreable and who’s not? Why millions of minority borrowers lack conventional credit scores
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How VantageScore leverages machine learning to score millions more consumers
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Opportunities for Fair Lending
Lenders are able to extend credit safely and soundly to consumers historically underserved by legacy processes with VantageScore models -- which are proven to provide a fair and accurate credit score to 96% of the population.
| Newly scoreable | Scores 620+ | |
|---|---|---|
| African American | 5.5 Million | 1.3 Million |
| Hispanic American | 5.2 Million | 1.7 Million |
| White | 24.2 Million | 9.2 Million |
| Asian | 1.4 Million | 0.6 Million |
| Native American and Pacific Islander | 350,000 | 100,000 |
Get Involved -- Events
CBA LIVE 2022 Breakfast: Consumer Credit Behaviors + Performance Insights
March 7-9th, 2022
- JW Marriott, San Antonio, TX
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Breaking the Cycle of Financial Exclusion
VantageScore research shows that in addition to minorities, there is an increased percentage of newly scoreables in:
- Lower income populations
Communities with low homeownership rates
- Communities with limited access to brick-and-mortar banking services
How many consumers lack conventional scores in your home state?
See the newly scoreable opportunity in your state
Critics Corner
As an industry leader, VantageScore advances innovation and collaborates on public policy to provide much needed reform in credit-score model development. We take time to find common ground to support an agenda that serves consumers, lenders, and the financial market as a whole.
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