Verify “Credit Invisibles” to Drive Predictive Lift

Date: May 10, 2018

VantageScore Solutions, LLC, developer of the VantageScore® credit scoring model, released a new white paper that details how lenders can increase the predictive level of risk assessments for “credit invisible” consumers, those who have less information than is required in order to generate a conventional credit score. The white paper, “Boosting Predictive Power Using Multiple Scores in the Credit Invisible Population” examines the verification process that uses VantageScore 3.0 on these credit invisibles (also referenced as the universe expansion population) in order to score two to three million more consumers.

VantageScore research indicates that using VantageScore 3.0 alongside a verification process which combines and compares the differences, if any, against two VantageScore 3.0 credit scores from two separate credit reporting companies (CRCs) drives additional predictive performance by more than 20 percent for a quarter of the consumers who are typically credit invisible.

The results of using a two-CRC verification process to identify consistent and predictive risk, showcase an improvement in a traditional credit score’s predictive levels:

  • By establishing a credit score “verification” process, VantageScore 3.0 can yield a ‘twice verified score’ which delivers a 20-26 percent predictive performance improvement in the credit scores of approximately one in four credit invisible consumers.
  • Approximately 37.6 percent of the twice verified universe expansion credit scores received a credit score greater than 600, qualifying them in the conventional lending space. 22.6 percent of these consumers score above 660. Translating to about 2-3 million highly creditworthy consumers.

“Since VantageScore was formed, our mission has always been to score more consumers, more accurately without loosening risk standards. Using a verification process that employs VantageScore 3.0 from all three CRCs, lenders can now confidently gain more predictive power and distinguish new opportunities in the underserved population,” says Barrett Burns, president and CEO, VantageScore Solutions.

For more details on “Boosting Predictive Power Using Multiple Credit Scores in the Credit Invisible Population” white paper, visit:

About VantageScore Solutions

Credit scores can impact many aspects of your life, everything from whether you are able to get a loan and how much interest you will have to pay to whether you are able to rent an apartment.

VantageScore Solutions, LLC ( is the independently managed company that owns the intellectual property rights to the VantageScore credit scoring models and is the leader in scoring innovation. Recently introduced VantageScore models score 30-35 million consumers* who typically are not scored by conventional models – without sacrificing predictiveness.

VantageScore credit scores are used by lenders, landlords, utility companies, telecom companies, and many others to determine creditworthiness. In fact, a recent study found that more than 8.5 billion VantageScore credit scores were used in June 2016-July 2017 by over 2,700 unique users. Of those, over 6 billion scores were used by more than 2,200 lenders of all sizes in their lending processes and over one billion VantageScore credit scores were provided directly to consumers through dozens of websites and lenders who provide their users and customers with their credit scores for free. By using the VantageScore model, these enterprises have access to many more consumers, and in turn, consumers have greater access to mainstream credit.

While there are many credit scoring models in the industry, the “win-win” for VantageScore is its innovative, highly predictive, patent-protected, tri-bureau scoring methodology that provides lenders and consumers with more consistent credit scores across all three national credit reporting companies.

* Reduction in public records and collection trade lines in consumers’ files will cause the number of consumers who would be newly scoreable using the VantageScore credit scoring model to decline.