VantageScore®

Generating Positive Community Impact

Leverage Best-In-Class Accuracy

Extend opportunities to more borrowers.

VantageScore credit scores are often used by capital markets participants in both the consumer lending asset-backed securities market (ABS) and the residential mortgage-backed securities (RMBS) market.

Securitization issuers and institutional investors that leverage VantageScore are able to:

  • Include underserved, including rural and low-to-moderate income (LMI) consumers.
  • Demonstrate their commitment to responsible securitization without sacrificing predictive performance or transparency.

Responsible Securitization

Consumers aren't the only ones benefitting from a focus on financial inclusion. VantageScore empowers market participants to:

Extend credit to more consumers
Expand loan portfolios while helping customers improve their financial health
Issue securitizations including these loans, positively impacting underserved communities
Together, we can build a stronger and more accessible lending ecosystem.
Our Impact
VantageScore is able to assign scores to 33 million individuals deemed unscorable by conventional methods. Almost one-third of these million consumers are from Black (5.5 million) and Hispanic (5.2 million) communities. Approximately 3 million of those who previously had no credit score, scored 620 or higher with VantageScore.
These statistics speak to the need VantageScore is meeting to help more consumers access credit, which enables them to build better financial futures for themselves, their families, and their communities.
Explore Inclusion360® Explore CreditGauge™

We now utilize VantageScore (“Vantage”) credit scores to assist in our assessment of credit quality as we believe Vantage scores more U.S. consumers, and potential applicants, as compared to our prior use of FICO credit scores

- TOP 5 CREDIT CARD ISSUER

Key Benefits

Most predictive, best-in-class model
Coverage across various asset classes
Consistency of credit scores from pool to pool
Scoring transparency facilitates deeper understanding of risk profile – facilitating efficient communication of risk throughout the securitization life cycle
Coverage of underserved consumers unscorable by legacy methods, while maintaining safety and soundness
On-going, transparent, and public reporting of VantageScore model performance assessments

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