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 the three nationwide Credit Reporting Companies (CRAs) with industry-leading analytics, VantageScore delivers a consistent, easy-to-interpret score to support deeper risk assessments and quickly identify consumers' credit profiles.

The latest version 4.0 sets a new standard for predictive performance and modeling innovation including:

• Trended credit data to take into account the trajectory of borrower behaviors
• Patent-pending machine learning techniques to generate a more accurate credit score for those with sparse credit histories
• Alignment with changes in credit-bureau handing of public records and collections data under the National Consumer Assistance Plan (NCAP)

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

Grow your business and mitigate risk with the advantage of deeper risk perspective and consumer insight.