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The VantageScore 3.0 model development team considered 900 data points. We used 45 million consumer credit files from blended time frames representative of current market conditions. And we tested 50 iterations of a new model. All to develop the VantageScore 3.0 model, a highly advanced consumer credit scoring model with the ability to dramatically improve a lender’s business. See for yourself why it renders any other approach outdated.