Statements (190)
| Predicate | Object |
|---|---|
| gptkbp:instance_of |
gptkb:scoring_system
|
| gptkbp:aims_to |
improve credit access
reduce credit risk enhance predictive power |
| gptkbp:amended_by |
periodically
|
| gptkbp:available_at |
credit monitoring services
|
| gptkbp:based_on |
credit report data
|
| gptkbp:developed_by |
gptkb:Vantage_Score_Solutions,_LLC
gptkb:Vantage_Score_Solutions consumer credit assessment |
| gptkbp:first_introduced |
gptkb:2006
|
| gptkbp:has_version |
gptkb:Vantage_Score_1.0
gptkb:Vantage_Score_2.0 gptkb:Vantage_Score_3.0 gptkb:Vantage_Score_4.0 |
| https://www.w3.org/2000/01/rdf-schema#label |
Vantage Score
|
| gptkbp:includes |
multiple scoring models
|
| gptkbp:influenced_by |
payment history
credit utilization length of credit history types of credit used recent credit inquiries |
| gptkbp:influences |
loan approval decisions
|
| gptkbp:is_accessible_by |
gptkb:mobile_applications
consumers online platforms credit monitoring services |
| gptkbp:is_adopted_by |
major banks
fintech companies credit bureaus credit unions national banks mortgage lenders online lenders community banks credit card issuers auto lenders alternative lenders major credit bureaus |
| gptkbp:is_affected_by |
payment history
credit utilization length of credit history new credit inquiries types of credit used |
| gptkbp:is_available_in |
gptkb:Canada
gptkb:United_Kingdom gptkb:United_States consumers multiple versions creditors |
| gptkbp:is_based_on |
data from credit bureaus
data from major credit bureaus |
| gptkbp:is_compared_to |
gptkb:FICO_score
|
| gptkbp:is_considered |
payment history
credit utilization length of credit history types of credit used credit decisions alternative to FICO recent credit inquiries |
| gptkbp:is_considered_by |
employers
financial advisors insurance companies landlords debt management companies credit counselors |
| gptkbp:is_criticized_for |
lack of transparency
complexity of scoring model |
| gptkbp:is_designed_for |
non-prime borrowers
prime borrowers various credit products |
| gptkbp:is_designed_to |
be more inclusive
predict credit risk reflect creditworthiness |
| gptkbp:is_different_from |
gptkb:FICO_score
traditional credit scoring models |
| gptkbp:is_evaluated_by |
data scientists
machine learning algorithms financial regulators statisticians credit analysts credit scoring models credit scoring agencies by financial regulators by lenders credit risk analysts |
| gptkbp:is_influenced_by |
economic factors
economic conditions consumer behavior trends credit mix credit behavior credit behavior changes |
| gptkbp:is_integrated_with |
financial technology platforms
|
| gptkbp:is_part_of |
credit risk management strategies
credit reporting industry consumer credit reports credit scoring ecosystem credit scoring industry credit reporting system |
| gptkbp:is_promoted_by |
gptkb:financial_institutions
financial literacy programs consumer advocacy groups credit counseling services credit education organizations |
| gptkbp:is_promoted_through |
gptkb:educational_resources
partnerships financial literacy programs consumer awareness campaigns |
| gptkbp:is_recognized_as |
a leading scoring model
an alternative to FICO |
| gptkbp:is_recognized_by |
gptkb:FHA
gptkb:Consumer_Financial_Protection_Bureau gptkb:USDA gptkb:CFPB gptkb:financial_institutions VA |
| gptkbp:is_recognized_for |
accuracy in risk prediction
|
| gptkbp:is_reviewed_by |
gptkb:financial_institutions
|
| gptkbp:is_subject_to |
gptkb:anti-discrimination_laws
gptkb:regulations data privacy regulations financial regulations technological advancements consumer demand economic conditions market competition regulatory oversight consumer protection laws fair lending laws credit industry standards credit reporting standards |
| gptkbp:is_supported_by |
data analytics
credit reporting agencies consumer education initiatives credit education initiatives |
| gptkbp:is_updated_by |
gptkb:annually
periodically to reflect changes in credit behavior to reflect credit behavior |
| gptkbp:is_used_for |
loan approvals
mortgage applications insurance underwriting employment screening credit card applications risk-based pricing |
| gptkbp:is_used_in |
tenant screening
mortgage lending employment decisions insurance underwriting credit decisions auto lending credit card approvals credit card lending |
| gptkbp:is_used_to |
set interest rates
assess creditworthiness assess loan risk determine creditworthiness determine loan eligibility |
| gptkbp:is_utilized_by |
banks
credit unions financial services companies mortgage companies auto lenders |
| gptkbp:is_utilized_in |
financial literacy programs
credit monitoring services loan approvals auto financing debt management services personal finance apps mortgage applications financial decision making credit card applications risk-based pricing auto loan applications |
| gptkbp:provides |
credit risk assessment
|
| gptkbp:provides_access_to |
credit monitoring services
|
| gptkbp:range |
gptkb:300
850 300 to 850 |
| gptkbp:updates |
gptkb:2020
gptkb:2022 |
| gptkbp:used_by |
lenders
|
| gptkbp:utilizes |
machine learning techniques
|
| gptkbp:was_a_factor_in |
payment history
credit utilization length of credit history types of credit used recent credit inquiries |
| gptkbp:bfsParent |
gptkb:FICO_score
|
| gptkbp:bfsLayer |
8
|