How it performs in the auto industry
In the auto industry, the VantageScore 3.0 model provides a 13 percent performance improvement over the CRC credit score model for account management, and an 18 percent performance improvement for originations for the Near-Prime to Super Prime credit tiers.
Further, an 11 percent performance improvement is seen over the VantageScore 2.0 model for account management, and an 11 percent performance improvement for originations among the same population segment.
![[chart]](http://vscoredev.adknstage.com/images/charts/auto-vs-CRC-348x210.jpg)

![[chart]](http://vscoredev.adknstage.com/images/charts/auto-vs-2.0-348x210.jpg)

The VantageScore 3.0 model performs extremely well in an auto lender’s “decisioning zone”–the middle 40 percent of the population as ranked by credit risk–which is typical territory for mainstream lender originations. The VantageScore 3.0 model provides a 28 percent performance improvement over the CRC credit score model for account management, and also a 28 percent performance improvement for originations among consumers in the decisioning zone.
A 25 percent performance improvement is seen over the VantageScore 2.0 model for account management in the decisioning zone, and a 27 percent performance improvement for originations is seen.
![[chart]](http://vscoredev.adknstage.com/images/charts/small Chart7a_VantageScore_3.0_Auto_prime_near_prime_performance_improvement_Over_CRC_score 112513.jpg)

![[chart]](http://vscoredev.adknstage.com/images/charts/small Chart08a_VantageScore_3.0_Auto_prime_near_prime_performance_improvement_over_VantageScore_2.0 112513.jpg)

For the Subprime population segment, the VantageScore 3.0 model provides an 18 percent performance improvement for account management, and a nine percent performance improvement for originations when compared to the CRC credit scoring model. The model provides a five percent performance improvement for account management in the auto sector, and a four percent performance improvement for originations when compared to the VantageScore 2.0 model.
![[chart]](http://vscoredev.adknstage.com/images/charts/Chart5_VantageScore_3.0_Auto_subprime_performance_improvement_OverCRCscore.png)

![[chart]](http://vscoredev.adknstage.com/images/charts/Chart6_VantageScore_3.0_Auto_subprime_performance_improvement_over_VantageScore_2.0.png)

Why it’s more consistent
Nearly identical risk assessment across the three CRCs
VantageScore 3.0 provides strong risk alignment across CRCs for the auto industry. For the near-prime to super prime credit tiers, default rates vary by an average of 0.10 percent for account management 20-point score bands, and 0.21 percent for originations.
![[chart]](http://vscoredev.adknstage.com/images/charts/small Chart32a_VantageScore_3.0_Odds_alignment_Auto_account_manangement 112513.jpg)

More consistent consumer scores across the three CRCs
For the auto industry, consistency of consumer scores remains strong in the VantageScore 3.0 model, with nearly 80 percent of consumer scores within 20 points when sourced from two or more CRCs, and 92 percent of consumer scores within 40 points across CRCs.
![[chart]](http://vscoredev.adknstage.com/images/charts/small Chart30a_VantageScore_3.0_Score_consistency_Auto 112513.jpg)

Score distributions
With the auto industry, score distributions are highly consistent across all CRCs.
![[chart]](http://vscoredev.adknstage.com/images/charts/small Chart43a_VantageScore_3.0_Consistency_of_score_distributions_across_CRCs 112513.jpg)

![[chart]](http://vscoredev.adknstage.com/images/charts/small Chart31a_VantageScore_3.0_Consistency_of_score_distributions_across_CRCs_Auto_originations 112513.jpg)

In the auto industry, VantageScore 3.0 achieves virtually identical performance across the three major CRCs for both originations and account management accounts.
![[chart]](http://vscoredev.adknstage.com/images/charts/Chart29_VantageScore_3.0_Performance_consistency_Auto.png)
