Determining who represents good credit risk – and who doesn’t – is as much art as science for card issuers and other lenders. VantageScore 3.0...
The question is not just if credit scores will change, but how much will they change, and in what situations are these fluctuations actually meaningful...
Ten years ago, the three national credit bureaus got together to start a challenger to credit scoring’s dominant player. Out of that, VantageScore was born,...
Creditworthy but unscorable. What gives? Old credit scoring models, for one. VantageScore sat down with PYMNTS to explain how using new credit scoring models can...
Six billion and counting. According to VantageScore, that’s how many credit scores generated by its model have been used by card issuers and other industry...
A new survey says that U.S. consumers are tired of seeing their creditworthiness, or lack thereof, determined by outdated methods. Is the industry prepared to...
Charged-off debts to third parties – sold-derogatory loans in credit speak – leave a huge black mark on the credit histories of consumers. But should...
Credit model testing, and alternatives to traditional scoring models, can expand a lender’s universe significantly. Here’s how VantageScore says its latest model validation stacks up...