The Auto Industry & VantageScore

Drive Success with Predictive Performance

In the auto industry, the VantageScore model provides significant predictive performance improvement for account management and originations across the risk distribution.

The VantageScore Value

The VantageScore 4.0 credit scoring model can help drive success for auto lenders with:

Superior accuracy when predicting repayment risk
Patented characteristic-leveling technology that irons out inconsistencies in scores obtained from different national credit reporting agencies (NCRAs).
Advanced model design accurately assesses approximately 33 million more potential customers who were previously “unscorable” with traditional models
Auto Industry Performance
Specific to the auto industry, the VantageScore 4.0 model provides a 6.3% performance improvement in account management and 2.5% lift in originations over a benchmark NCRA credit score model.

More Consistent Consumer Scores Across the Three NCRAs

Consistency of consumer scores remains strong, with nearly 80% of consumer scores falling within 20 points when sourced from two or more NCRAs, and approximately 90% of consumer scores from the three NCRAs falling within a 40-point range.

More Consistent Score Distributions Across the Three NCRAs

In the auto industry, VantageScore 4.0 achieves consistent performance across the three major NCRAs for both originations and management accounts.

Using VantageScore for the Auto Industry
VantageScore 4.0 helps lenders navigate the ever-changing landscape of credit scoring by aligning with the top NCRAs and scoring more borrowers, more consistently.

To get started, contact your NCRA representative and start using VantageScore 4.0 today.

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