With Trended Credit Datathe VantageScore 4.0 way

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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.