VantageScore® Launches All New 5.0 Credit Score Model, Delivering Industry-Leading Predictive Performance Based on Novel Attributes and Post-Pandemic Consumer Data

New Model Trained on Post-Pandemic Data and Uses All-New Patent-Pending Attributes Enhanced Predictive Power Offers Up To 9% Lift on Unsecured Loan Originations for Thin Credit File Consumers Superior Credit Score Model Stability Reduces Consumer Credit Score Volatility SAN FRANCISCO , April 17, 2025 /PRNewswire/ -- National credit scoring leader VantageScore today announced the launch of its newest tri-bureau credit score model, VantageScore 5.0. Building on VantageScore's history of credit score innovation, VantageScore 5.

0 utilizes the company's all-new, patent-pending attributes to offer enhanced insights on consumer creditworthiness. VantageScore 5.0 provides an additional predictive lift of up to 9% on unsecured loans, including credit cards, retail cards and personal loans for thin credit file consumers compared to VantageScore 3.



0. VantageScore 5.0 was trained, in part, on consumer loan data from after the pandemic when consumer credit behaviors changed significantly.

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