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VantageScore 3.0 White Paper

Date: December 20, 2013

The VantageScore 3.0 model pairs our industry-leading analytics with more granular data from consumers’ credit histories to create our most predictive and most consistent credit scoring model ever.
This paper examines the new model's greater predictiveness, its increased consistency in scoring across the three major credit reporting companies (CRCs), and its ability to score 30-35 million more consumers than conventional models, without compromising accuracy or lending standards.

The VantageScore 3.0 model pairs our industry-leading analytics with more granular data from consumers’ credit histories to create our most predictive and most consistent credit scoring model ever.


This paper examines the new model's greater predictiveness, its increased consistency in scoring across the three major credit reporting companies (CRCs), and its ability to score 30-35 million more consumers than conventional models, without compromising accuracy or lending standards.