Statements (96)
| Predicate | Object |
|---|---|
| gptkbp:instance_of |
gptkb:scoring_system
|
| gptkbp:aims_to |
improve credit access
|
| gptkbp:based_on |
credit report data
|
| gptkbp:calculates_score_based_on |
payment history
credit utilization length of credit history types of credit used recent credit inquiries |
| gptkbp:designed_for |
consumers with limited credit history
|
| gptkbp:developed_by |
gptkb:Vantage_Score_Solutions
|
| https://www.w3.org/2000/01/rdf-schema#label |
Vantage Score 3.0
|
| gptkbp:improves |
gptkb:Vantage_Score_2.0
credit scoring accuracy |
| gptkbp:includes |
alternative data
|
| gptkbp:introduced_in |
gptkb:2013
|
| gptkbp:is_accessible_by |
credit monitoring services
|
| gptkbp:is_adopted_by |
banks
credit unions mortgage lenders credit card issuers auto lenders personal loan providers major credit bureaus |
| gptkbp:is_affected_by |
medical collections
small dollar collections |
| gptkbp:is_available_in |
consumers
|
| gptkbp:is_based_on |
data from credit bureaus
three major credit bureaus |
| gptkbp:is_compared_to |
gptkb:FICO_score
|
| gptkbp:is_compatible_with |
credit reporting systems
|
| gptkbp:is_considered |
a competitor to FICO scores
a key player in credit scoring a modern scoring model a reliable scoring model an alternative to traditional scoring models |
| gptkbp:is_considered_as |
alternative to FICO
standard for credit scoring |
| gptkbp:is_designed_for |
credit risk evaluation
|
| gptkbp:is_designed_to |
predict credit risk
|
| gptkbp:is_evaluated_by |
transparency
data scientists financial analysts accuracy fairness credit analysts credit scoring models risk management professionals credit scoring agencies |
| gptkbp:is_influenced_by |
economic factors
payment history credit utilization length of credit history types of credit used credit behavior recent credit inquiries |
| gptkbp:is_part_of |
Vantage Score scoring models
credit scoring ecosystem credit scoring industry |
| gptkbp:is_promoted_by |
gptkb:financial_institutions
financial advisors consumer advocacy groups credit counseling services credit repair companies consumer-friendly scoring model |
| gptkbp:is_promoted_through |
gptkb:educational_resources
|
| gptkbp:is_recognized_by |
credit bureaus
lenders and creditors |
| gptkbp:is_reflected_in |
changes in credit behavior
|
| gptkbp:is_subject_to |
gptkb:regulations
|
| gptkbp:is_supported_by |
consumer advocacy groups
|
| gptkbp:is_updated_by |
gptkb:Vantage_Score_Solutions
periodically |
| gptkbp:is_used_by |
gptkb:financial_institutions
|
| gptkbp:is_used_in |
mortgage lending
auto lending credit card approvals |
| gptkbp:is_used_to |
determine creditworthiness
|
| gptkbp:is_utilized_by |
fintech companies
credit card companies personal loan providers |
| gptkbp:is_utilized_in |
personal loans
risk assessment insurance underwriting auto lending credit card approvals |
| gptkbp:provides |
risk assessment
more consistent scoring |
| gptkbp:range |
gptkb:300
850 |
| gptkbp:released_in |
gptkb:2013
|
| gptkbp:replaces |
gptkb:Vantage_Score_2.0
|
| gptkbp:score |
300 to 850
|
| gptkbp:scores_based_on |
credit behavior
|
| gptkbp:used_by |
lenders
|
| gptkbp:bfsParent |
gptkb:Vantage_Score_Solutions
|
| gptkbp:bfsLayer |
6
|