Financial Inclusion

Driving Inclusion Through Innovation

Innovative Analytical Data Drives Financial Inclusion

By providing a fair and accurate credit score to a broader population, VantageScore creates opportunities for lenders to extend credit safely and soundly to consumers historically underserved by legacy processes.

All VantageScore credit-scoring models score more than conventional credit-scoring models by using new data analytics technologies to generate predictive scores for three groups of consumers commonly left without a conventional credit score.

Newly Scorable Consumers
Many consumers who are newly scorable with VantageScore 4.0 are from underserved groups which include rural American and service members, and a large proportion have scores of 620 or higher.
Newly Scorable
Scores 620+

Total
33 Million
13 Million

White
21.6 Million
9.2 Million

Black & Hispanic
9.5 Million
3.1 Million

Asian
1.3 Million
<1 Million

Native American & Pacific Islander
290,000
100,000

VantageScore research shows that in addition to minorities, there is an increased percentage of newly scorables in:

Lower-income populations
Communities with low homeownership rates
Communities with limited access to brick-and-mortar banking services
Inclusivity Plus Accuracy
To score dormant, no trade and young file consumers, VantageScore uses cutting-edge machine learning techniques. VantageScore 4.0 ensures scores generated for newly scored consumers are as accurate as for conventional consumers. As a result, the meaning of the score, in terms of the level of risk it implies, is consistent regardless of which group a consumer belongs to.

Dormant
Infrequent credit use; consumers who haven't had updates to their credit files in the past 6 months but have earlier updates.
Conventional Models
VantageScore 4.0

No Credit Accounts
Consumers who have no credit accounts (also called tradelines), but do have external collections and public records on their file.
Conventional Models
VantageScore 4.0

Young File
Consumers with a short credit history (also called young to credit); consumers who only have credit accounts (tradelines) that are less than 6 months old.
Conventional Models
VantageScore 4.0
The Newly Scorable Population Using VantageScore 4.0
Total U.S. Population Newly Scorable by VantageScore 4.0: Approximately 33 million
Inclusion Toolkit

Access to credit is key to achieving financial wellness and ensuring that only the most accurate and inclusive credit scores are used in loan decisions is critical.

To more deeply understand how lenders that use VantageScore credit scores drive sustainable access to credit for more creditworthy borrowers, below is a financial inclusion toolkit containing research, interactive tools, fast facts, performance information and video content.

Inclusion360®

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Credit Scoring & Financial Inclusion

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Credit Invisible No Longer

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Driving Financial Inclusion with Data and Analytics

Download

Advantage of Adding Rent and Utility Data Whitepaper

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Market Adoption Study

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Model Assessment

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