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Inaugural VantageScore 4.0 Trended Credit Data Model Validation

The 2018 Validation study from VantageScore represents the inaugural validation of VantageScore 4.0, the first and only tri-bureau credit scoring model to incorporate trended credit data to predict consumer credit risk. Trended credit data provides additional insights to consumer credit risk because it monitors credit usage patterns over an extended period while other credit score models only use information from the most recent credit usage. 

The validation study shows VantageScore 4.0 outperformed across all major lending industries, in both existing account management results as well as new account originations, when it was compared with all pre-existing versions of VantageScore and CRC scoring models.


Download the whitepaper for more details.

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