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Stay ahead of your competitors with substantial lift and segmentation of risk

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. This innovative score does not use consumer credit information and can be easily integrated into your existing rating, underwriting, company placement and pay-plan determination processes. TransUnion and CARFAX will work with you to identify where Vehicle History Score can be best applied for your business so you can:

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

Three product options to meet your needs

VIN prefill add-on

When a full 17-digit VIN is not available, conduct a search using data (name, address, year and make) 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.

Product Highlights
  • Developed with advanced modeling technology

  • Requires only a VIN for a vehicle from 1981 or later upon input

  • Returns a score value from 0–997

  • Uses CARFAX data of more than 14 billion records from 92,000 data sources

  • Based on predictive characteristics, including vehicle ownership, accident and repair history

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