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The status quo has now lost its status.
Introducing a true breakthrough: the VantageScore 3.0 model. More predictive, thanks to more granular data. More consistent across all 3 CRCs. Able to score 30-35 million more people. Even easier to implement, with a more familiar scale.

The VantageScore 3.0 model development team considered 900 data points. We used 45 million consumer credit files from blended time frames representative of current market conditions. And we tested 50 iterations of a new model. All to develop the VantageScore 3.0 model, a highly advanced consumer credit scoring model with the ability to dramatically improve a lender’s business. See for yourself why it renders any other approach outdated.