Vehicle History Score

Predict future loss ratio with TransUnion and CARFAX®

Access more than just a raw score from raw data. Receive a vehicle score right at the point-of-quote that incorporates historical vehicle data into your policy risk assessment processes for greater risk segmentation. Vehicle History Score is an innovative model that was developed with the combined intelligence and industry knowledge of TransUnion and CARFAX, to predict future loss ratio – instantly.

  • Improve quote accuracy
  • Stay ahead of competitors
  • Decrease adverse selection
  • Increase efficiency and profitability

Work directly with TransUnion and CARFAX to identify where Vehicle History Score can be best applied to perform within your unique book of business. This innovative score does not use consumer credit information and can be easily integrated into your existing systems.

Combine TransUnion predictive analytics and advanced modeling technology with comprehensive vehicle history report data from CARFAX

  • More than 12 billion records and growing
  • Data from more than 75,000 data sources, including every U.S. and Canadian motor vehicle agency
  • Results delivered within two seconds of request
  • Requires only a VIN for a vehicle from 1981 or later

Loss Ratio tests show the efficiency and effectiveness of Vehicle History Score


Vehicle History Score helps you stay ahead of your competitors with substantial lift and segmentation of risk. Below is an example.

Product Options

VIN Prefill Add-On

Conduct a search using data such as name, address, year and make when a full, 17-digit VIN is not available to locate the vehicle registration record and process it through Vehicle History Score.

Duplicate Processing

Track and calculate a score using fresh CARFAX data, or cached data from a request that occurred within the past 60 days.

Raw Data Pass-through

Receive raw CARFAX data with your Vehicle History Score transaction.

Start learning more about not only the policyholders you cover, but the vehicles too.

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