Increase performance with the predictive advantage of tri-bureau consistency
Product Overview
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.
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:
VantageScore creates instant competitive advantage by enabling your business to:
Grow your business and mitigate risk with the advantage of deeper risk perspective and consumer insight.