How to test your model

Are you relying on the best credit scoring model for your business strategy?

Evaluating credit risk and identifying creditworthy borrowers is a constant challenge: Changing economic conditions drive shifts in consumer credit behavior, and lender business strategies must adapt accordingly.

Upgrading to a modern credit scoring model can help ensure success, and no model is more accurate or scores more people than VantageScore 4.0. Validate VantageScore—and see how we compare with your old model!

Question | Challenge | Test | Prove


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Model acceptance

Don’t be surprised if VantageScore enhances your business strategy, as it has for thousands of other companies.

Nearly 10.5 billion VantageScore credit scores were used in 12 months, by over 2,800 unique users and other industry participants – mainly financil institutions.

Usage figures are compiled annually via an outside study of the three national credit reporting companies. Data reflects usage from July 2017 through June 2018.

Click here to download the full report.

Regulator recognition

The ultimate indicator of thorough regulatory recognition is the thousands of lenders, including seven of the top 10 banks that have successfully implemented the VantageScore model and are using it today in their businesses. The model has been implemented under the watchful eyes of regulators across all major consumer credit asset categories. 

Since the launch of the VantageScore model in 2006, regulators have regularly proclaimed the importance of protecting choice in the credit score marketplace. Regulators that have recognized the VantageScore model include:

  • Consumer Financial Protection Bureau (CFPB)
  • Department of Housing and Urban Development (HUD)
  • Federal Housing Administration (FHA)
  • Federal Housing Finance Agency (FHFA)
  • Federal Financial Institutions Examination Council (FFIEC)
  • Federal Reserve Board (FRB)
  • Federal Trade Commission (FTC)
  • National Credit Union Administration (NCUA)
  • Office of the Comptroller of the Currency (OCC)
  • Securities and Exchange Commission (SEC)

Click here for more details on regulatory recognition.

Support for validation and implementation

Consult these resources for help validating and implementing a new credit scoring model:


Questions about conversion?

If you have questions about credit score model conversion or implementation, please submit them here. We’ll respond directly.


Let’s go to the video.

Watch a series of webinars that details how to convert and implement a credit-scoring model.

Get all the details.

Read a white paper on the more predictive ability of VantageScore.

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VantageScore Licensees:
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