Deeper consumer insight delivers well-informed credit decisions VantageScore is a predictive scoring model that leverages national consumer credit data and robust analytics to predict the likelihood of a consumer becoming 90+ days delinquent within 24 months of scoring. By combining granular data from three national Credit Reporting Companies (CRCs) with industry-leading analytics, VantageScore delivers a consistent, easy-to-interpret score to support deeper risk assessments and quickly identify consumers' credit profiles. VantageScore creates instant competitive advantage by enabling your business to: Strengthen predictive ability Expand marketing universe of qualified targets Evaluate thin- and no-file consumers with confidence Optimize account management and overall portfolio performance Minimize risk exposure The VantageScore model is built using data from the three national CRCs blended from two different time frames, 2009-2011 and 2010-2012, to capture a broad development sample of consumer behaviors. Users can analyze consumers from a uniform perspective using a one-model approach that delivers consistent risk assessment across all three CRCs. VantageScore is designed to easily integrate into existing systems with a score range of 300-850 and actionable, intuitive reason codes. VantageScore can be used in all industries to strengthen performance at any point in the account lifecycle. By scoring between 30-35 million more consumers than traditional risk scores, VantageScore opens new market opportunities and supports assessment of consumers without deep credit histories. VantageScore delivers predictive intelligence in an easy-to-use score standardized across all three CRCs. Grow your business and mitigate risk with the advantage of deeper risk perspective and consumer insight from VantageScore.