Statements (132)
| Predicate | Object |
|---|---|
| gptkbp:instance_of |
gptkb:scoring_system
|
| gptkbp:aims_to |
reduce bias
increase access to credit increase credit access |
| gptkbp:available_at |
banks
credit unions credit card companies |
| gptkbp:based_on |
credit report data
|
| gptkbp:developed_by |
gptkb:Vantage_Score_Solutions
|
| gptkbp:enhances |
consumer credit access
|
| gptkbp:evaluates |
creditworthiness
|
| https://www.w3.org/2000/01/rdf-schema#label |
Vantage Score 4.0
|
| gptkbp:improves |
gptkb:Vantage_Score_3.0
|
| gptkbp:improves_accuracy_by |
using trended data
|
| gptkbp:includes |
new scoring factors
trended data |
| gptkbp:is_adopted_by |
gptkb:United_States
gptkb:financial_institutions mortgage lenders credit card issuers auto lenders business lending personal loan providers |
| gptkbp:is_available_in |
gptkb:financial_institutions
consumers |
| gptkbp:is_based_on |
machine learning algorithms
credit history |
| gptkbp:is_compared_to |
gptkb:FICO_score
other credit scoring models |
| gptkbp:is_compatible_with |
FICO scores
multiple credit bureaus |
| gptkbp:is_considered |
payment history
credit utilization length of credit history types of credit used alternative to FICO recent credit inquiries |
| gptkbp:is_considered_as |
standard in credit scoring
|
| gptkbp:is_considered_by |
lenders for risk assessment
|
| gptkbp:is_designed_for |
consumers
|
| gptkbp:is_designed_to |
evaluate creditworthiness
predict credit risk |
| gptkbp:is_different_from |
gptkb:Vantage_Score_3.0
|
| gptkbp:is_evaluated_by |
gptkb:financial_institutions
banks regulatory compliance transparency industry standards accuracy fairness fintech companies consumer feedback credit unions credit scoring models lending platforms market acceptance predictive power consumer impact credit scoring agencies consumer understanding credit behavior lender adoption |
| gptkbp:is_influenced_by |
economic conditions
payment history credit utilization length of credit history types of credit used credit inquiries credit mix new credit accounts credit limits account balances credit account age credit account types credit utilization trends delinquent accounts payment patterns recent credit inquiries |
| gptkbp:is_influential_in |
credit decisions
|
| gptkbp:is_integrated_with |
gptkb:Accounting_Software
|
| gptkbp:is_part_of |
credit evaluation process
credit scoring ecosystem |
| gptkbp:is_promoted_by |
financial advisors
financial literacy consumer awareness consumer advocacy groups credit counseling agencies credit education a fair scoring model credit education organizations |
| gptkbp:is_recognized_by |
credit bureaus
|
| gptkbp:is_recognized_for |
innovation in credit scoring
|
| gptkbp:is_subject_to |
gptkb:regulations
|
| gptkbp:is_supported_by |
gptkb:machine_learning
big data data analytics consumer advocacy groups |
| gptkbp:is_tested_for |
credit risk models
|
| gptkbp:is_updated_by |
gptkb:Vantage_Score_Solutions
periodically |
| gptkbp:is_used_by |
lenders
|
| gptkbp:is_used_for |
credit decisions
|
| gptkbp:is_used_in |
tenant screening
mortgage lending employment decisions insurance underwriting |
| gptkbp:is_used_to |
determine loan eligibility
|
| gptkbp:is_utilized_in |
personal loans
risk assessment loan underwriting insurance underwriting employment screening credit card approvals |
| gptkbp:provides |
risk assessment
more predictive power |
| gptkbp:provides_access_to |
credit score monitoring
|
| gptkbp:provides_information_on |
credit reports
|
| gptkbp:range |
gptkb:300
850 |
| gptkbp:released_in |
gptkb:2017
gptkb:2020 |
| gptkbp:score |
gptkb:300
|
| gptkbp:scores_range_to |
850
|
| gptkbp:used_by |
lenders
|
| gptkbp:utilizes |
gptkb:machine_learning
|
| gptkbp:was_a_factor_in |
payment history
credit utilization length of credit history types of credit used recent credit behavior |
| gptkbp:bfsParent |
gptkb:Vantage_Score_Solutions
|
| gptkbp:bfsLayer |
6
|