As expected, FHFA recently announced that the GSEs have completed a validation of the “FICO Classic” credit score model, which …
Implementing a New Credit Score in Lender Strategies (UPDATED STUDY)
UPDATED for 2020 At first, the process of converting strategies to use newscores can seem overwhelmingly complex. Generic riskscores have …
2020 VantageScore Model Performance Assessment
This 2020 report represents the third annual model performance assessment ofVantageScore 4.0 (which was launched in April 2017). The model …
Dynamic Relationship between a Credit Score and Risk
VantageScore’s whitepaper “The Dynamic Relationship Between a Credit Score and Risk: How to Correctly Interpret a Credit Score During an …
VantageScore – Innovation History Timeline + 1st to Market list
UPDATED to include the latest 2020 innovations: From 1987, when the first generic credit scoring models were introduced, through 2005, …
Rod Griffin, Sr. Director of Consumer Education and Advocacy at Experian
Have you ever wondered why there are three credit reporting bureaus? How is credit and credit scores differ in other …
VantageScore credit scores and the COVID-19 pandemic
Statement on VantageScore’s treatment of forbearance and deferment codes for consumer loans that have received payment relief by lenders: “VantageScore …
VantageScore Market Adoption Study 2019
A recent study conducted by global management consulting and research firm Oliver Wyman concludes that usage of VantageScore credit scores …
Improved Assessment of Credit Health Using Trended Credit Data
This white paper first presents an overview of what trended credit data is on a credit report and what it …
FHFA Timeline for the Validation and Application Process
A visual breakdown of the next steps following the FHFA’s final rule on the validation and approval of credit score …