Inclusion360 Powered By VantageScore™
Pinpointing Opportunities for Financial Inclusion
What is Inclusion360?
How to use Inclusion360™: (1) Select a geographic area, (2) Select filters, (3) Download data
Based on anonymized consumer credit data from Equifax, Experian and TransUnion and using the VantageScore 4.0 credit scoring model, there are approximately 33 million “newly scoreable” consumers in the United States. “Newly Scoreable” consumers are those who are not scoreable using conventional credit scoring models but can be scored by VantageScore 4.0.
Percent of Black Households
Proportion of households in selected area who are Black (estimated from 2019 ACS)
Percent of Hispanic Households
Proportion of households in selected area who are Hispanic (estimated from 2019 ACS)
Percent of White Households
Proportion of households in selected area who are White (estimated from 2019 ACS)
Percent of Asian Households
Proportion of households in selected area who are Asian (estimated from 2019 ACS)
PERCENT OF OTHER HOUSEHOLDS
Proportion of households in selected area defined as other include, American Indian Alaskan Natives, Native Hawaiian Pacific Islander and other (estimated from 2019 ACS)
PERCENT OF CONVENTIONALLY SCORED
Proportion of credit-eligible consumers in selected area that are scored by conventional models, based on publicly available scoring criteria information
PERCENT OF NEWLY SCORED
Proportion of credit-eligible consumers in selected area that are newly scored by VantageScore 4.0
PERCENT SCORED BY VANTAGESCORE
Proportion of credit-eligible consumers in selected area that are scored by VantageScore 4.0. (Including conventionally and newly scored populations)
AVERAGE VANTAGESCORE CREDIT SCORE
Average VantageScore 4.0 generated for credit-eligible consumers in selected area
PERCENT NEWLY SCORED 620 AND ABOVE
Proportion of consumers newly scored by VantageScore 4.0 in selected area where score generated in 620 and above
NEWLY LENDABLE OPPORTUNITY
Estimated number of consumers newly scored by VantageScore 4.0 in selected area
Identifying The Opportunity
Inclusion360 powered by VantageScore is built using U.S. Census Bureau data from the 2019 5-Year American Community Survey (‘ACS Data’) combined with a sample of 15 million anonymized credit files from the three major credit reporting companies (Equifax, Experian, TransUnion). Using this data, we can map various data elements by:
- Core-based Statistical Area (CBSA)
- Public Use Microdata Area (PUMA)
County level
Congressional District