VantageScore 5.0

Improve risk differentiation and expand lending opportunities with the newest tri-bureau VantageScore^® model — designed for today’s consumer credit environment.

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Optimized for auto and unsecured lending, VantageScore 5.0 uses a simplified design that combines traditional and trended credit file data to deliver more accurate risk differentiation.

Enhanced predictive power

Provides up to 9% performance lift on unsecured loans compared to VantageScore3.0, allowing lenders to expand their pools of creditworthy applicants without incurring additional risk.

Score more, lend more

VantageScore trended models expand the lending universe by 33 million consumers over conventional models by including historically unscorable and limited credit-history consumers.

Intelligent model design

Innovative and proprietary GAIN Attributes^TM developed by VantageScore generate insights beyond traditional scoring inputs

Product Applications

Model stability

Developed with data from all three credit reporting companies, VantageScore 5.0 uses a simplified model design that minimizes score migration and delivers greater score stability in an ever-changing credit environment.

More actionable credit analyses

By incorporating trended credit data that reflects behavior changes over time, scores provide a deeper understanding of consumers’ credit histories.

Transparent and widely accepted

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

Expand lending opportunities confidently

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Build a stronger approach to acquisition and portfolio management with TruVision™ credit risk assessment solutions that help you assess risk with greater confidence.

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VantageScore 5.0

Optimized for auto and unsecured lending, VantageScore 5.0 uses a simplified design that combines traditional and trended credit file data to deliver more accurate risk differentiation.

Enhanced predictive power

Score more, lend more

Intelligent model design

Product Applications

Model stability

More actionable credit analyses

Transparent and widely accepted

Expand lending opportunities confidently

See other TruVision solutions

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Learn more about VantageScore® 5.0

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Solution Categories

Product Lines

Industries

Company

Support