VantageScore 5.0 Enhances Predictive Power with Patent-Pending Attributes – VantageScore on National Mortgage Professional
VantageScore®

Published April 22, 2025
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VantageScore’s newest credit model, VantageScore 5.0, boosts predictive performance, as highlighted by National Mortgage Professional. VantageScore 5.0 utilizes VantageScore’s latest patent-pending attributes design to offer insight into a consumer’s creditworthiness.

VantageScore 5.0 is trained on consumer loan data following the pandemic, when consumer credit behavior changed significantly. These scoring attributes capture real-time behaviors and historical trends to improve predictive performance, especially for consumers with new or thin credit histories.

Additionally, VantageScore has expanded its pilot program with Credit Builders Alliance, leveraging the industry-leading VantageScore 4.0 credit score with open banking data to deliver the new VantageScore 4plus model. This collaboration provides nonprofit lenders with access to modern credit scores while allowing them to maintain sound lending practices.

Initial data from this pilot shows meaningful improvements in the ways nonprofit lenders can assess and serve potential borrowers, including improved predictive insights, clearer risk segmentation and expanded lending opportunities.

Check out VantageScore’s recent model announcements here:

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