How it performs

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


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The VantageScore 3.0 model delivers highly predictive and consistent credit scores to lenders and consumers. Unlike other credit score developers, VantageScore Solutions makes the model’s validation results transparent and publicly available.

The following charts illustrate the percentage of predictive improvement for both new and existing accounts across all industries.

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The VantageScore 3.0 model performs extremely well in lenders’ “decisioning zone”– the middle 40 percent of the loan-applicant population, typical territory for mainstream lender originations.

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VantageScore 3.0 offers improved performance across all industry segments: