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Trended Credit Data Attributes in VantageSore 4.0

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5 - VantageScore: Trended Credit Data Attributes in VantageScore 4.0 Figure 8: Trended Credit Data Attributes by Credit Tier Scorecard SUMMARY The use of trended credit data is just one example of how VantageScore Solutions is transparent about its credit scoring methodology, innovative in adopting new techniques, and unique in its ability to score consumers based on files from any of the credit reporting companies. We hope that this whitepaper explains several reasons why the analysis of trended credit data increases predictiveness so that institutions can confidently use it in their credit risk assessments. As credit scoring models attempt to squeeze more predictive power out of consumer credit files, innovative approaches like the analysis of trended credit data provide a trustworthy path to increasing the utility of credit scores VantageScore October 2017 Copyright © 2017 VantageScore Solutions, LLC. www.vantagescore.com Call 1-888-202-4025 http://VantageScore.com/Equifax Call 1-888-414-4025 http://VantageScore.com/Experian Call 1-866-922-2100 http://VantageScore.com/TransUnion The VantageScore credit score models are sold and marketed only through individual licensing arrangements with the three major credit reporting companies (CRCs): Equifax, Experian and TransUnion. Lenders and other commercial entities interested in learning more about the VantageScore credit score models, including the latest VantageScore 4.0 credit score model, may contact one of the following CRCs listed for additional assistance: 18 20 11 4 Prime Subprime Static Trended # trended vs. static attributes # trended attributes by trade type 7 3 1 0 1 1 1 1 Revolve Install Mortgage Auto Prime Subprime

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