ABA Banking Journal - November 2008 - (Page 24H) About VantageScore 7 VantageScore is a generic credit scoring model that opens doors to the opportunities that having credit creates. VantageScore’s highly predictive model uses an innovative, patent-pending scoring methodology to provide lenders with a consistent interpretation of consumer credit files across all three major credit reporting companies and the ability to score a broad population. This means lenders can help more creditworthy borrowers, and millions of Americans who use credit infrequently can be accurately scored. VantageScore leverages the collective experience of industry leading experts on credit data, credit risk modeling and analytics. The nation’s three major credit reporting companies (CRCs) — Equifax, Experian and TransUnion — worked together to develop a generic credit scoring model that is regularly revalidated. VantageScore marks the first time that the three companies joined forces to produce a model that scores consumers consistently across all three companies. By utilizing cutting-edge, patent-pending analytic techniques, VantageScore provides lenders and consumers with a highly consistent, more predictive score that is easy to understand and apply. For the lender. VantageScore enables mainstream lenders to score more consumers more accurately. The VantageScore model was built utilizing anonymous consumer credit data reflective of current economic conditions. The design methodology and management framework ensures that VantageScore will continue to deliver a highly predictive capability. For the consumer. VantageScore facilitates greater access to credit for the underserved or those with thin credit files who deserve access to credit at fair terms, conditions and pricing. VantageScore also provides score accuracy and consistency for the “full file” consumer. Table of Contents for the Digital Edition of ABA Banking Journal - November 2008 ABA Banking Journal - November 2008 Contents Editor's Column Banking 2.0: Credit, Banking's Essence, Set for Rethinking Snapshot: The Few, the Proud, the Banks that Can Raise Capital Will Strong and Simple Banks Inherit the Business? Back to the Future ABA Resources ABA Chairman's Position Farm Lenders Must Take Care When Lending in Indian Country Pass the Aspirin Into the Breach Adventures Across A Century What the Future Holds, Post Crisis Paul Volcker: A Financial Legend Still Speaks Strong Ed Yingling: Weathering the Storm Dick Kovacevich: "Boring" Banking to Dynamic Financial Services Jim Culberson: Community Banking: What has Changed and What Shouldn't Walter Shipley: How a Chemical Reaction Helped to Mold Today's JPMorgan Chase William Isaac: Challenges and Opportunities Ahead for Banks A Hundred Years from Our Pages Eight Tech Innovations that Brought Banks into 21st Century Bank Cherokee: Third Generaton Marks 100th Year The First National Bank of Altavista: Railroad Gave Birth to a Town, a Hope Chest, and a Bank Rosedales Federal Savings and Loan Association: How a Friendly Game of Cards Turned into a 100-Year Mutual New Washington State Bank: Cooking Up the Next 100 Years Mailbox Banker's Mart To Advertise/Index of Advertisers The Economy ABA Banking Journal - 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