Models & Scores
Marketers are keenly aware of how important it is to “Know thy customer.” Yet customer knowledge isn’t restricted to the marketing-savvy. It’s also essential...
Traditional credit attributes provide immense value for lenders when making decisions, but when used alone, they are limited to capturing credit behavior during a...
Today’s consumer lending environment is more dynamic and competitive than ever, with renewed focus on personal loans, marketplace lending and the ever-challenging credit card...
You just finished redeveloping an existing scorecard, and now it’s time to replace the old with the new. If not properly planned, switching from...
In 2017, 81 percent of U.S. Americans have a social media profile, representing a five percent growth compared to the previous year. Pick your...
We use our laptops and mobile phones every day to communicate with our friends, family, and co-workers. But how do software programs communicate with...
Looking to score more consumers, but worried about increased risk? A recent VantageScore LLC study found that consumers rendered “unscoreable” by commonly used credit...
Lenders are looking for ways to accurately score more consumers and grow their applicant pool without increasing risk. And it looks like more and...
As credit behavior and economic conditions continue to evolve, using a model that is validated regularly can give lenders greater confidence in the model’s...
A recent survey commissioned by VantageScore Solutions, LLC found that among consumers who are unable to obtain credit, 27% attribute the situation to lack...
Experian® recently released the 2015 State of Credit report, which analyzes key credit metrics across the nation....
VantageScore® models are the only credit scoring models to employ the same characteristic information and model design across the three credit...
According to VantageScore® Solutions' annual validation study, VantageScore 3.0 scores 36 million incremental consumers considered unscoreable by conventional credit scoring models....
As the summer home buying season kicks into high gear, a newly released survey shows the importance of understanding credit scores and their impact...
According to research from VantageScore® LLC, 30 to 35 million people are not scored by the most popular credit-scoring models. When measured by more...