Why it's more predictive

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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 offers significant predictive improvement over other credit scoring models by using more granular data from all three national CRCs. Through a comprehensive review of every aspect of the model—from the data to the segmentation to the performance definitions—the team identified that using a broader and deeper set of credit file data could substantially improve model performance. Examples include:

Deeper separation of real estate loans. The VantageScore 3.0 credit score model now classifies real estate loans as first mortgage, lines of credit and home equity loans.

More distinctions between installment loans. VantageScore 3.0 also identifies and breaks down installment loans into student loans, auto loans, personal installment and standard installment loans.

As a result of this more granular data, VantageScore 3.0 captures and models unique consumer behaviors more accurately, resulting in a more predictive model. In fact, roughly 40 percent of the variables within VantageScore 3.0 are derived from the more granular data. Lenders can take advantage of a transformative predictive boost.


Up to 25 percent lift where it counts

Based on extensive testing, the VantageScore 3.0 model offers significant predictive lift across all risk segments and credit types. In fact, the model outperformed benchmarks in 99 percent of tests. Better still, predictive lift increased up to 25 percent among prime and near-prime consumers—traditionally a lender’s most desired target demographic.

Optimized for both origination and account management

The VantageScore 3.0 model offers enhanced predictiveness for both originations and existing account management. The more granular data, in conjunction with improved modeling techniques, have delivered substantial improvement in identifying originations risk, which mean lenders can minimize the likelihood of bringing risk into their portfoloios.

To learn more about VantageScore 3.0’s predictive strength, view the model’s performance portfolio, which provides industry-specific performance information and other useful resources.