VantageScore®

VantageScore is the only model to be developed jointly by all three national credit reporting companies – combined with the insight and support of TransUnion. With TransUnion and VantageScore, you get results and support straight from the companies that hold the actual data. Get the most from VantageScore by applying our deep understanding of your industry and leveraging dedicated resources to help you address the unique needs of your business.

VantageScore 2.0 leverages the core VantageScore platform to deliver improved predictive performance, so that businesses can look beyond the economic volatility of recent years and reenter the market with confidence.

VantageScore 2.0 was created using data blended from two different timeframes, and pulled from the most recent lending environment, 2006-2008 and 2007-2009. Using a development sample from this extended window captures both a broad and recent set of consumer behaviors, including activity prior to the economic crisis. This reduces algorithm sensitivity to highly volatile behavior that can be found in a single timeframe and extends performance stability.

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VantageScore combines innovative data design with revolutionary, patent-pending characteristic leveling methods and segmentation techniques to produce a unique, highly predictive credit risk score.

The score is unprecedented in that it looks at and analyzes data at the same point in time on the same consumer records from all three national credit reporting companies. VantageScore was developed using a national sample of anonymous credit information of approximately 15 million consumers and uses a score range of 990-501 and score groupings that approximate the familiar academic scale:

VantageScore is the only commercially available credit risk model built using a synchronized development data sample provided by all three credit reporting companies. Plus, all three credit reporting companies deliver the same algorithm through existing channels. As a result, you can simplify the maintenance and management of single and multiple tier score cut-off strategies.

Make fairer decisions based on more stable scores across each credit reporting company. VantageScore uses leveled credit characteristics across all three national credit reporting companies to limit score variability significantly. This means any score variations are limited to differences in the data maintained by the three companies. In addition, VantageScore applies the same standard method for scoring multiple inquiries to avoid unnecessary impact to a customer's score.

Relaxed score exclusion criteria allows VantageScore to score more consumers