Why it's more consistent

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Review this fact sheet to learn more about the advantages of VantageScore 3.0.


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The VantageScore model is the only credit score model to employ the same characteristic information and the same model at each of the three credit reporting companies. Any score differences can be attributed to differences in the data in each consumer’s credit file.

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Characteristic leveling process

To yield consistent and equitable attribute definitions across multiple sources of information, the VantageScore 3.0 model uses a patented characteristic leveling process. Simply put, this ensures that when the same data is present in multiple sources—at least two CRCs—it is interpreted the same way, even though there still may be differences in how the data is defined.

For lenders, a model that levels credit behavior characteristics creates a more consistent picture of a consumer’s credit payment behavior, regardless of which CRC provides the data. So lenders can indeed have a higher level of confidence in their decisions.

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VantageScore 3.0 offers improved consistency across all industry segments: