and tested 50 models to create the
new VantageScore 3.0.
The new model for performance.
VantageScore 3.0 is here, and it’s our most accurate credit scoring model ever.
Evaluate and upgrade your credit scoring model using these expert techniques and tips.
The data speaks
See how the VantageScore 3.0 model delivers more predictive, consistent scores.
Video on demand
View videos from experts in the credit scoring field.
A higher level
The newly constructed VantageScore 3.0 model pairs our industry-leading analytics with more granular data from consumers’ credit histories to create our most predictive and most consistent credit scoring model ever. Plus, the new model can generate scores for 30 to 35 million previously “unscoreable” consumers. That’s a whole new universe of potential customers for lenders.LEARN MORE
More granular data.
More accurate scores.
VantageScore 3.0 utilizes more granular data from the three national Credit Reporting Companies (CRCs), offering unparalleled predictive ability in evaluating a borrower’s creditworthiness. The granularity of the data allowed model designers to select 150 of the most predictive characteristics from an estimated 900 behavioral characteristics that were tested. As a result, the model delivers up to a 25 percent predictive lift over earlier models among prime and near-prime consumers, typically the most desirable segment for any lender.LEARN MORE
Align credit scores across CRCs
The VantageScore 3.0 model provides lenders with nearly identical risk assessments across all three CRCs. How? The same VantageScore model is deployed at each of the three national CRCs. This patented one-model approach is achieved through a process called “characteristic leveling.” Simply put, this process establishes consistent and equitable definitions for consumer payment and credit management behavioral data so that it is interpreted in the same way when present at multiple sources.LEARN MORE
Blended timeframes make it more stable
The VantageScore 3.0 model uses data blended from two different time frames, 2009-2011 and 2010-2012, to capture a broad development sample of recent consumer behaviors, including activity at the height of, and following, the economic crisis. This reduces the model sensitivity to highly volatile behavior that can be found in a single time frame, extending performance stability.LEARN MORE
across lender types
The VantageScore 3.0 model delivers a big boost in predictiveness and consistency for a wide variety of lenders. Click below to see how the model improves performance for the home loan, auto loan and bank card industries specifically, and across all lender types in general.LEARN MORE