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VantageScore 3.0
Better predictive ability among sought-after borrowers
VantageScore 3.0 is our game-changing model that offered unparalleled predictive ability in evaluating a borrower's creditworthiness, providing a 25% predictive lift over earlier models among prime and near-prime consumers, and generating scores for 30-35 million previously "unscorable" consumers.
Since VantageScore 3.0's release, we have been busy refining and making our credit-scoring model even better with VantageScore 4.0 and VantageScore 4plus™.
Advanced Analytics and Granular Data
The VantageScore 3.0 model uses advanced analytics and more granular credit data for the most predictive and consistent credit scores.
Enhanced Creditworthiness Evaluation
By leveraging data from the three national Credit Reporting Companies, VantageScore 3.0 offers superior accuracy in assessing creditworthiness.
25% Predictive Lift for Prime Consumers
VantageScore 3.0 provides a 25% predictive lift among prime and near-prime consumers, improving risk assessment for lenders.
Scoring Previously Unscorable Consumers
The model scores 30-35 million previously 'unscorable' consumers by considering their entire credit history, not just the most recent 24 months.
Inclusion of Alternative Data Yields More Opportunities
VantageScore 3.0 includes alternative data, expanding opportunities for lenders to reach new customers.
Simplified Implementation for Lenders
Changes in the model make it easier for lenders to implement, including a new score range (300-850) and simplified reason codes.
VantageScore 4.0 Attributes
VantageScore 4.0
