To ensure the VantageScore 3.0 model continues to deliver highly predictive and consistent credit scores, the VantageScore analytics team tests its performance yearly. Unlike other developers of credit scoring models, VantageScore Solutions publishes the results of those annual validations for all to see.
You can find the latest VantageScore 3.0 validation results here.
For a general indication of VantageScore 3.0 performance, the following charts illustrate the percentage of predictive improvement for both new and existing accounts across all industries.
The VantageScore 3.0 model performs extremely well in lenders’ “decisioning zone” — the middle 40 percent of the loan-applicant population, typical territory for mainstream lender originations.
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