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.
Integration of trended credit data attributes drives incremental, predictive performance among prime consumers.
VantageScore® 4.0 expands the lending universe by 34 million consumers over conventional models by including historically unscorable and limited credit-history consumers.
Regularly published research shows consistent performance and acceptance by lenders, investors and regulators.
Developed with data from all three credit reporting companies , VantageScore® 4.0 delivers unparalleled consistent performance across consumer credit products and population distribution.
By including trended credit data, which reflect behavior changes over time, scores represent a deeper analysis and understanding of consumers’ credit histories.
Accepted by MISMO and other industry/regulatory reporting requirements and widely used by top issuers/investors of asset back securities (ABS).
HOW IT WORKS
Leverage TruVision™ risk assessment products to confidently acquire and manage best-fit customers.
Expand consumers’ credit opportunities with additional views not available using traditional credit data alone
Optimize your entire collections lifecycle for more profitable operations.
Improve risk decisions using models built for specific markets, transactions and consumer populations.
Improve outcomes by integrating time-series and alternative data to customer models and decision platforms
Gain a more robust understanding of a consumer’s financial context — notably their willingness, ability and capacity to pay.
Use credit and model reports for a clearer picture of a consumer’s financial history and performance over time.
Access a deeper view of customers for better-informed line management decisions and account treatment strategies.
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