VantageScore® releases the results of its annual model performance evaluation

STAMFORD, Conn. , June 30, 2022 /PRNewswire/ — VantageScore Solutions, today released the results of its model’s annual performance review. In keeping with its mission to promote transparency and assist with the governance model, VantageScore publishes the results of these assessments annually so that lenders and policy makers can be confident that the credit scores used to make lending decisions are predictive, consistent and fair.

Highlights of the assessment include:

  • VANTAGESCORE 4.0 OUTPERFORMS: VantageScore 4.0 outperforms previous versions of the VantageScore models as well as other benchmark Credit Rating Companies (CRC) scoring models in Originations and general account management as well as in all major product categories, including including bank cards, car, mortgage and personal installment loans.
  • PERFORMANCE OF TRENDED DATA DISKS: VantageScore 4.0’s use of trending attributes has delivered significant improvements in predictive performance in both low-scoring and high-scoring credit origination segments.
  • CONSISTENCY OF THE SCORE RETAINED: Aided by the proprietary VantageScore attribute leveling process, a high level of score consistency across CRCs is maintained. VantageScore 4.0 continues to provide the most consistent scores of any VantageScore model.
  • LOCKED-IN RESULTS: VantageScore 4.0 continues to deliver unbiased and consistent results across ethnic groups and across the credit spectrum.

“Inflation, rising cost of borrowing, the end of borrower accommodation and economic headwinds are top of mind for risk managers today. We consider it good practice to provide our model users with transparency and data that shows VantageScore credit scores continue to accurately reflect consumers’ credit risk,” said Silvio TavaresPresident and CEO of VantageScore.

The full model performance evaluation is available for download at

About VantageScore Solutions
VantageScore Solutions develops consumer credit scoring models that combine the need for financial inclusiveness and reliable predictivity across all scoring ranges. The company’s newest models score around 96% of all adults 18 and older – including 37 million more people than conventional models – without sacrificing safety and sturdiness. As a result, lenders using VantageScore can extend credit to those who have been historically marginalized, including minority and low-to-middle income Americans. VantageScore credit scores are used by thousands of lenders, landlords, utility companies, telecommunications companies and many more to determine creditworthiness. Additionally, tens of millions of consumers rely on free access to their VantageScore credit scores to monitor their own creditworthiness.

VantageScore Solutions was launched in 2006 and is owned by the three US National Credit Reporting Societies (CRCs) – Equifax, Experian and TransUnion. Using a patent-protected tri-bureau methodology, VantageScore provides proven, innovative and more consistent credit scoring models across all three CRCs.


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