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Annual Model Assessment
VantageScore® Releases Results of Its Annual Model
Performance Assessment
VantageScore released the results of its annual model performance assessment. In keeping with its mission to promote transparency and aid in model governance, VantageScore publishes the results of these assessments annually so that lenders and policymakers have confidence that the credit scores used to make loan decisions are predictive, consistent and fair.
Outperforms
VantageScore 4.0 outperforms prior versions of VantageScore models as well as other benchmark nationwide consumer reporting agency (NCRA) scoring models within Originations and Account Management overall as well as across all major product categories, including Bankcard, Auto, Mortgage and Personal Installment Loans.
Score Consistency Retained
Aided by the proprietary VantageScore attribute leveling process, a high level of score consistency across the NCRA's is maintained. VantageScore 4.0 continues to provide the most consistent scores of all the VantageScore models.
Trended Data Drives Performance
VantageScore 4.0's use of trended attributes has brought significant predictive performance improvements within both the lower scoring and higher scoring credit originations segments.
Unbiased Results
VantageScore 4.0 continues to provide unbiased, consistent results across different demographics and across the credit spectrum .
