Why it’s more predictive

The VantageScore 3.0 model offers significant predictive improvement over other credit scoring models by using more granular data from all three national credit reporting companies (CRCs) — Equifax, Experian and TransUnion. Through a comprehensive review of every aspect of the model — from its parsing of data to its segmentation method and performance definitions — the team determined that using a broader and deeper set of credit file data could substantially improve model performance. Results of these enhancements include:

Deeper separation of mortgage loans. The VantageScore 3.0 credit score model now classifies real estate loans as first mortgages, lines of credit, and home equity loans.

Sharper distinctions between installment loans. VantageScore 3.0 also identifies and breaks down installment loans into student loans, auto loans, personal installment, and standard installment loans. 

By making use of newly available granular data, VantageScore 3.0 captures and models unique consumer behaviors more accurately, resulting in greater predictive accuracy. Roughly 40 percent of the variables within VantageScore 3.0 are derived from the more granular data, and lenders can tap them for a transformative predictive boost. 

Superior predictive accuracy lift where it counts 

Extensive testing found that the VantageScore 3.0 model offers significant predictive lift across all risk segments and credit types. In fact, the model outperformed benchmarks in 99 percent of tests. Better still, it delivered superior predictive accuracy among prime and near-prime consumers—traditionally a lender’s most desired target demographic. 

Optimized for both origination and account management

The VantageScore 3.0 model offers enhanced predictiveness for both originations and existing account management. Use of more-granular data, in conjunction with improved modeling techniques, have delivered substantial improvement in identifying originations risk, which mean lenders can minimize the likelihood of bringing risk into their portfolios. 

To learn more about VantageScore 3.0’s predictive strength, view the model’s performance portfolio, which provides industry-specific performance information and other useful resources.


VantageScore 3.0

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Valued partners:
VantageScore Licensees:
Equifax Experian TransUnion