VantageScore 4 Plus pilot combines alternate open banking data with traditional credit data, providing up to a 10% lift in predictive accuracy compared to VantageScore 4.0.
The new model works with major aggregator APIs and credit reports from Experian, Equifax, and TransUnion, maintaining the 300 to 850 scoring range with score-to-odds ratios, streamlining adoption for lenders.
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