Popular Research
Alternative data demonstrated to provide material benefits for consumers with limited credit histories
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Who’s scoreable and who’s not? Why millions of minority borrowers lack conventional credit scores
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How VantageScore leverages machine learning to score millions more consumers
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Opportunities for Fair Lending
Lenders are able to extend credit safely and soundly to consumers historically underserved by legacy processes with VantageScore models -- which are proven to provide a fair and accurate credit score to 94% of the population.
| Newly scoreable | Scores 620+ | |
|---|---|---|
| African American | 4.9 Million | 1.3 Million |
| Hispanic American | 4.6 Million | 1.7 Million |
| White | 21.6 Million | 9.2 Million |
| Asian | 1.3 Million | 0.6 Million |
| Native American and Pacific Islander | 290,000 | 100,000 |
Breaking the Cycle of Financial Exclusion
VantageScore research shows that in addition to minorities, there is an increased percentage of newly scoreables in:
- Lower income populations
Communities with low homeownership rates
- Communities with limited access to brick-and-mortar banking services
How many consumers lack conventional scores in your home state?
See the newly scoreable opportunity in your state
Critics Corner
As an industry leader, VantageScore advances innovation and collaborates on public policy to provide much needed reform in credit-score model development. We take time to find common ground to support an agenda that serves consumers, lenders, and the financial market as a whole.
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