Statements (54)
| Predicate | Object |
|---|---|
| gptkbp:instance_of |
gptkb:scoring_system
|
| gptkbp:aims_to |
provide a consistent scoring method
|
| gptkbp:based_on |
credit report data
|
| gptkbp:calculates_scores_using |
credit history
|
| gptkbp:competes_with |
gptkb:FICO_score
|
| gptkbp:developed_by |
gptkb:Vantage_Score_Solutions
|
| gptkbp:has_limitations |
may not reflect all credit behaviors
not all lenders use it |
| https://www.w3.org/2000/01/rdf-schema#label |
Vantage Score 1.0 model
|
| gptkbp:includes_factors_such_as |
payment history
credit utilization length of credit history types of credit used recent credit inquiries |
| gptkbp:introduced_in |
gptkb:2006
|
| gptkbp:is_adopted_by |
lenders
|
| gptkbp:is_available_in |
consumers
|
| gptkbp:is_based_on |
data from major credit bureaus
statistical analysis of credit data |
| gptkbp:is_considered |
a benchmark for credit scoring
a consumer-friendly scoring model a proprietary scoring model alternative to FICO an important tool for lenders |
| gptkbp:is_designed_to |
predict credit risk
|
| gptkbp:is_evaluated_by |
credit unions
lending institutions mortgage companies credit scoring agencies auto lenders |
| gptkbp:is_influenced_by |
credit mix
credit utilization ratio number of open accounts payment history length recent credit inquiries count |
| gptkbp:is_part_of |
Vantage Score scoring models
credit evaluation process credit scoring industry |
| gptkbp:is_recognized_by |
gptkb:financial_institutions
|
| gptkbp:is_updated_by |
gptkb:Vantage_Score_Solutions
reflect changes in credit behavior |
| gptkbp:is_used_for |
loan approvals
credit limit increases risk-based pricing |
| gptkbp:is_used_in |
mortgage lending
auto lending credit card approvals |
| gptkbp:is_used_to |
assess financial risk
determine creditworthiness |
| gptkbp:replaced_by |
gptkb:Vantage_Score_2.0_model
|
| gptkbp:score |
501 to 990
|
| gptkbp:used_for |
credit risk assessment
|
| gptkbp:bfsParent |
gptkb:Vantage_Score_Solutions
|
| gptkbp:bfsLayer |
6
|