How VantageScore 3.0 scores more people

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


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Any lender’s portfolio benefits from capturing the widest possible base of qualified and relevant prospects within the lender’s target demographic and risk strategy. But traditional credit scoring models limit a lender’s universe to a smaller percentage of U.S. adults.

However, the VantageScore 3.0 model gives lenders access to 30-35 million credit-worthy consumers who would be invisible to old credit scoring models. That's a group of prospects more numerous than the population of Texas!

  • The model does this by using a broader and deeper set of credit file data as well as more advanced modeling techniques. This allows the VantageScore model to capture unique consumer behaviors more accurately.
  • Nearly 25 percent of these consumers are actually prime or near-prime credit quality—excellent candidates for mainstream lending products.