VantageScore® 4.0

Improve delinquency predictiveness while expanding your lending universe with the first tri-bureau credit scoring model using trended credit data developed by the three national credit reporting companies.

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VantageScore^® 4.0 increases opportunity in comparison to conventional models for lenders and borrowers by utilizing trended data to more accurately assess risk.

Up to 20% performance lift over conventional models

Integration of trended credit data attributes drives incremental, predictive performance among prime consumers.

Score more, lend more

VantageScore® 4.0 expands the lending universe by 34 million consumers over conventional models by including historically unscorable and limited credit-history consumers.

Transparent and Widely Accepted

Regularly published research shows consistent performance and acceptance by lenders, investors and regulators.

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Increased predictiveness over conventional models, consistency and stability

Developed with data from all three credit reporting companies , VantageScore^® 4.0 delivers unparalleled consistent performance across consumer credit products and population distribution.

More actionable credit analyses

By including trended credit data, which reflect behavior changes over time, scores represent a deeper analysis and understanding of consumers’ credit histories.

Integrated with standard industry platforms and widely accepted in capital markets

Accepted by MISMO and other industry/regulatory reporting requirements and widely used by top issuers/investors of asset back securities (ABS).

See beyond a snapshot of risk

Discover how VantageScore^® 4.0 helps lenders gain a more robust view of consumer credit behavior, improve risk differentiation and score more consumers with greater confidence.

View the fact sheet to learn how:

Trended credit data helps provide a deeper understanding of consumer behavior and creditworthiness
VantageScore^®4.0 can improve predictive performance compared to earlier scoring approaches
Expanded scoreability can help lenders assess more consumers, including those with limited credit histories
Lenders can use more differentiated risk insights to support acquisition and portfolio management strategies

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VantageScore® 4.0