VantageScore Success Stories

VantageScore is transforming the way consumer lenders work.

Real-World Impact

Our case studies showcase how leading financial institutions are using VantageScore's advanced credit scoring model not just to enhance predictive precision, but to grow portfolios and improve business processes. By integrating alternative data sources and employing modern analytics, VantageScore enables lenders to score millions of previously unscorable consumers - many of whom are creditworthy but missed by legacy models.

The outcome is not only broader credit inclusion, but also marked improvements in predictive accuracy, resulting in finer risk segmentation and more profitable lending decisions. These real-world examples prove that greater financial inclusion can go hand in hand with enhanced model performance and stronger business results.

Dive in below to see the value VantageScore brings to our lender partners.

It's a Win-Win: How Patelco Uses VantageScore to Increase their Lending Portfolio

It's a Win-Win: How Patelco Uses VantageScore to Increase their Lending Portfolio

Fits Well in Our Ecosystem: How Chex Systems, Inc. Uses VantageScore to Boost Lending Capabilities

Fits Well in Our Ecosystem: How Chex Systems, Inc. Uses VantageScore to Boost Lending Capabilities

An Essential Tool: How Oportun Uses VantageScore to Improve Lending Capabilities

An Essential Tool: How Oportun Uses VantageScore to Improve Lending Capabilities

Practical Applications
By incorporating alternative data and modern analytics, VantageScore enables lenders and fintechs to score millions of previously unscorable individuals, many of whom are creditworthy but overlooked by traditional models. The result is not only a broader customer base, but also improved risk segmentation and more profitable lending decisions. These real-world examples illustrate the effectiveness of VantageScore’s credit scoring models in practice.
How Randolph-Brooks Federal Credit Union Improved Loan Originations and Expanded Credit Access with VantageScore® 4.0
Explore VantageScore's Models

VantageScore 4.0

Machine Learning Technology + Trended Credit Data = Score 33 Million More U.S. Consumers

VantageScore 4plus

All the Benefits of VantageScore 4.0 + Bank Data = Over 10% Predictive Lift

VantageScore 5.0

Innovative and Proprietary GAIN Attributes™ Generate Insights Beyond Traditional Scoring Inputs

VantageScore 4.0 Attributes

Create Custom Models and Scoring Solutions for Lenders

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