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Greater Scoring Power
If credit files exclude
some public records …
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Will credit scores change? 
  • Credit reporting companies may reduce tax-lien & civil-judgement information
  • What’s the score impact of reducing the availability of this data?
Celebrating
10 years
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It’s been a great ride 

  • 2006 debut brought competition to credit scoring
  • Revisit milestones in a decade of innovation 

How volatile
are credit scores?
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See our research results 

  • How credit scores change over 3- and 12-month periods
  • How score volatility can affect lender strategy

Impact of ignoring
sold-derog debt?
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Practically nil, to VantageScore 3.0 
  • Debts sold to collections can persist on credit files after bankruptcy
  • That has lenders thinking of revising reporting policies
  • They asked about credit score impacts of doing so
Overcome
limitations
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Why your model is limiting your growth 
  • Using pre-Recession assumptions?
  • Using just one timeframe?
Industry
acceptance
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Who’s using the VantageScore model? 
  • Used by more than 2,000 lenders
  • Used by 7 of the 10 largest banks
CLOSE

Breaking Convention

The VantageScore 3.0 model challenges the status quo.
[video]
THE SCORE
Inside the latest issue
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Valued partners:
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VantageScore Licensees:
Equifax Experian TransUnion
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