VantageScore 4.0 VS - ExperianTRENDED CREDIT DATA The power behind new accuracy from VantageScore...
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With Trended Credit Data the VantageScore 4. 0 way ©2017 VantageScore Solutions, LLC. All rights reserved. The Old Way A snapshot: One moment in time VantageScore 4.0 Months of credit activity TRENDED CREDIT DATA The power behind new accuracy from VantageScore 4. 0 The Old Way Now let’s look at identical twins Among Prime Consumers When Using Trended Credit Data Attributes (vs. Static Data Attributes) Nearly 20% Incremental Predictive Performance Over 4 months Credit utilization: 38% $11,261 ALWAYS PAYS THE MINIMUM ON TIME Credit score: GOOD Bob Balance at time of credit report: Over 4 months, Bob added 2.1K $11,261 Credit utilization: 30% ALWAYS PAYS MORE THAN THE MINIMUM ON TIME Credit score: GREAT Bill Balance at time of credit report: Over 4 months, Bill paid off 5.4K $11,261 Credit utilization: 38% ALWAYS PAYS ON TIME Credit score: GOOD Bill Balance at time of credit report: $11,261 Credit utilization: 38% ALWAYS PAYS ON TIME Credit score: GOOD Bob Balance at time of credit report: Trended Data Outcome: VS.
Transcript of VantageScore 4.0 VS - ExperianTRENDED CREDIT DATA The power behind new accuracy from VantageScore...
With Trended Credit Datathe VantageScore 4.0 way
©2017 VantageScore Solutions, LLC. All rights reserved.
The Old Way A snapshot: One moment in time
VantageScore 4.0Months of credit activity
TRENDED CREDIT DATAThe power behind new accuracy from VantageScore 4.0
The Old WayNow let’s look at identical twins
Among Prime Consumers When Using Trended Credit Data Attributes(vs. Static Data Attributes)
Nearly 20% Incremental Predictive Performance
Over 4 months
Creditutilization: 38%
$11,261
ALWAYS PAYS THEMINIMUM ON TIME
Credit score:
GOOD
BobBalance at time of
credit report:
Over 4 months, Bob added 2.1K �
$11,261
Creditutilization: 30%ALWAYS PAYS MORETHAN THE MINIMUM
ON TIME
Credit score:
GREAT
BillBalance at time of
credit report:
Over 4 months, Bill paid off 5.4K �
$11,261Credit
utilization:
38%ALWAYS PAYS
ON TIME
Credit score:
GOOD
BillBalance at time of
credit report:
$11,261Credit
utilization:
38%ALWAYS PAYS
ON TIME
Credit score:
GOOD
BobBalance at time of
credit report:
Trended Data Outcome:
VS.
