risk based pricing rule — vantagescore

Risk Based Pricing Rule — VantageScore®

• VantageScore® 1.0 Graph, VS 1.0• VantageScore® 1.0 Table, VS 1.0• VantageScore® 2.0 Graph, VS 2.0• VantageScore® 2.0 Table, VS 2.0• VantageScore® 3.0 Graph, VS 3.0 • VantageScore® 3.0 Table, VS 3.0• VantageScore® 4.0 Graph, VS 4.0• VantageScore® 4.0 Table, VS 4.0

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To view a specific graph or table, click on the respective link below.

5%

7%

19%

22%

29%

18%

0%

5%

10%

15%

20%

25%

30%

501–549 550–599 600–699 700–799 800–899 900–990

% o

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VantageScore® 1.0

File date: April 2021

© 2021 Experian Information Solutions Inc. All rights reserved.VantageScore® is a registered trademark of VantageScore Solutions, LLC VS 1.0

VS 1.0© 2021 Experian Information SolutionsVantageScore is a registered trademark of VantageScore Solutions, LLCFile Date: April 2021

7184L-CS

0%

5%

10%

15%

20%

25%

30%

35%

501–549 550–599 600–699 700–799 800–899 900–990

% o

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VantageScore® 2.0



4%

6%

22%

27%

30%

11%


7184L-CS

3%

18%

13%

41%

25%

0%

5%

300–499 500–600 601–660 661–780 781–850

% o

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ith sc

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VantageScore® 3.0



10%

15%

20%

25%

30%

35%

40%

45%


7184L-CS

2%

19%18%

33%

28%

0%

5%

10%

300–499 500–600 601–660 661–780 781–850

% o

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sum

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VantageScore® 4.0



15%

20%

25%

30%

35%

© 2021 Experian Information SolutionsVantageScore is a registered trademark of VantageScore Solutions, LLCFile Date: April 2021

7184L-CS

VS 4.0

7184L-CS

VantageScore® 1.0 - National Score Distribution

Minimum Maximum Interval "Ranks higher than X%" Cumulative

501 501 1% 1%

502 519 1% 2%

520 533 1% 3%

534 543 1% 4%

544 552 1% 5%

553 561 1% 6%

562 567 1% 7%

568 574 1% 8%

575 582 1% 9%

583 589 1% 10%

590 595 1% 11%

596 602 1% 12%

603 609 1% 13%

610 616 1% 14%

617 622 1% 15%

623 628 1% 16%

629 634 1% 17%

635 639 1% 18%

640 645 1% 19%

646 650 1% 20%

651 656 1% 21%

657 661 1% 22%

662 666 1% 23%

667 671 1% 24%

672 676 1% 25%

677 680 1% 26%

681 684 1% 27%

685 689 1% 28%



690 692 1% 29%

693 696 1% 30%

697 700 1% 31%

701 704 1% 32%

705 708 1% 33%

709 713 1% 34%

714 717 1% 35%

718 721 1% 36%

722 725 1% 37%

726 730 1% 38%

731 733 1% 39%

734 738 1% 40%

739 742 1% 41%

743 746 1% 42%

747 750 1% 43%

751 754 1% 44%

755 759 1% 45%

760 764 1% 46%

765 769 1% 47%

770 774 1% 48%

775 779 1% 49%

780 784 1% 50%

785 788 1% 51%

789 793 1% 52%

794 797 1% 53%

798 801 1% 54%

802 805 1% 55%

806 809 1% 56%

7184L-CS VS 1.0



810 814 1% 57%

815 818 1% 58%

819 822 1% 59%

823 826 1% 60%

827 830 1% 61%

831 834 1% 62%

835 837 1% 63%

838 841 1% 64%

842 844 1% 65%

845 848 1% 66%

849 851 1% 67%

852 853 1% 68%

854 856 1% 69%

857 859 1% 70%

860 863 1% 71%

864 866 1% 72%

867 869 1% 73%

870 873 1% 74%

874 875 1% 75%

876 879 1% 76%

880 882 1% 77%

883 885 1% 78%

886 888 1% 79%

889 891 1% 80%

892 895 1% 81%

896 898 1% 82%

899 901 1% 83%

902 905 1% 84%



906 909 1% 85%

910 913 1% 86%

914 917 1% 87%

918 922 1% 88%

923 927 1% 89%

928 932 1% 90%

933 938 1% 91%

939 945 1% 92%

946 952 1% 93%

953 960 1% 94%

961 969 1% 95%

970 980 1% 96%

981 990 3% 99%

© 2021 Experian Information Solutions. All rights reserved.VantageScore® is a registered trademark of VantageScore Solutions, LLC.

Minimum VantageScore 1.0 501Maximum VantageScore 1.0 990

Instruction: “Your credit score ranks higher than [X] percent of U.S. consumers” where [X] corresponds to the fourth column labeled “Ranks higher than X%”. File date: April 2021

7184L-CS


Minimum Maximum Interval “Ranks higher than X%” Cumulative

501 501 1% 1%

502 529 1% 2%

530 544 1% 3%

545 554 1% 4%

555 563 1% 5%

564 570 1% 6%

571 577 1% 7%

578 584 1% 8%

585 591 1% 9%

592 597 1% 10%

598 603 1% 11%

604 608 1% 12%

609 613 1% 13%

614 618 1% 14%

619 623 1% 15%

624 628 1% 16%

629 633 1% 17%

634 638 1% 18%

639 642 1% 19%

643 646 1% 20%

647 651 1% 21%

652 654 1% 22%

655 659 1% 23%

660 663 1% 24%

664 668 1% 25%

669 672 1% 26%

673 676 1% 27%

677 681 1% 28%



682 685 1% 29%

686 689 1% 30%

690 694 1% 31%

695 699 1% 32%

700 703 1% 33%

704 708 1% 34%

709 713 1% 35%

714 718 1% 36%

719 722 1% 37%

723 726 1% 38%

727 730 1% 39%

731 733 1% 40%

734 737 1% 41%

738 741 1% 42%

742 744 1% 43%

745 748 1% 44%

749 749 1% 45%

750 752 1% 46%

753 756 1% 47%

757 760 1% 48%

761 763 1% 49%

764 767 1% 50%

768 770 1% 51%

771 774 1% 52%

775 777 1% 53%

778 781 1% 54%

782 784 1% 55%

785 787 1% 56%

7184L-CS



788 791 1% 57%

792 794 1% 58%

795 797 1% 59%

798 801 1% 60%

802 804 1% 61%

805 808 1% 62%

809 811 1% 63%

812 815 1% 64%

816 818 1% 65%

819 822 1% 66%

823 826 1% 67%

827 830 1% 68%

831 834 1% 69%

835 838 1% 70%

839 842 1% 71%

843 846 1% 72%

847 850 1% 73%

851 853 1% 74%

854 856 1% 75%

857 860 1% 76%

861 863 1% 77%

864 866 1% 78%

867 869 1% 79%

870 872 1% 80%

873 875 1% 81%

876 878 1% 82%

879 881 1% 83%

882 883 1% 84%



884 886 1% 85%

887 889 1% 86%

890 892 1% 87%

893 895 1% 88%

896 898 1% 89%

899 902 1% 90%

903 905 1% 91%

906 909 1% 92%

910 914 1% 93%

915 919 1% 94%

920 924 1% 95%

925 932 1% 96%

933 941 1% 97%

942 954 1% 98%

955 990 1% 99%




VS 2.0

7184L-CS



300 452 1% 1%

453 488 1% 2%

489 502 1% 3%

503 511 1% 4%

512 517 1% 5%

518 520 1% 6%

521 524 3% 9%

525 530 1% 10%

531 539 1% 11%

540 548 1% 12%

549 552 2% 14%

553 560 1% 15%

561 567 1% 16%

568 574 1% 17%

575 581 1% 18%

582 588 1% 19%

589 594 1% 20%

595 601 1% 21%

602 607 1% 22%

608 613 1% 23%

614 620 1% 24%

621 625 1% 25%

626 631 1% 26%

632 636 1% 27%

637 641 1% 28%

642 645 1% 29%

646 649 1% 30%

650 652 1% 31%



653 655 1% 32%

656 658 1% 33%

659 661 1% 34%

662 664 1% 35%

665 666 1% 36%

667 668 1% 37%

669 670 1% 38%

671 672 1% 39%

673 674 1% 40%

675 675 3% 43%

676 676 1% 44%

677 680 1% 45%

681 684 1% 46%

685 688 1% 47%

689 692 1% 48%

693 697 1% 49%

698 701 1% 50%

702 706 1% 51%

707 710 1% 52%

711 714 1% 53%

715 718 1% 54%

719 722 1% 55%

723 724 1% 56%

725 728 1% 57%

729 731 1% 58%

732 734 1% 59%

735 738 1% 60%

739 741 1% 61%

7184L-CS



742 744 1% 62%

745 747 1% 63%

748 750 1% 64%

751 753 1% 65%

754 755 1% 66%

756 758 1% 67%

759 761 1% 68%

762 764 1% 69%

765 767 1% 70%

768 770 1% 71%

771 773 1% 72%

774 776 1% 73%

777 779 1% 74%

780 782 1% 75%

783 785 1% 76%

786 787 1% 77%

788 789 1% 78%

790 791 1% 79%

792 794 1% 80%

795 796 1% 81%

797 798 1% 82%

799 800 1% 83%

801 802 1% 84%

803 804 1% 85%

805 806 1% 86%

807 808 1% 87%

809 810 1% 88%

811 812 1% 89%



813 813 1% 90%

814 815 1% 91%

816 817 1% 92%

818 818 1% 93%

819 820 1% 94%

821 822 1% 95%

823 824 1% 96%

825 825 1% 97%

826 828 1% 98%

829 850 1% 99%




VS 3.0

7184L-CS



300 463 1% 1%

464 496 1% 2%

497 513 1% 3%

514 524 1% 4%

525 530 1% 5%

531 537 1% 6%

538 543 1% 7%

544 544 1% 8%

545 548 1% 9%

549 554 1% 10%

555 561 1% 11%

562 565 1% 12%

566 569 3% 15%

570 573 1% 16%

574 579 1% 17%

580 585 1% 18%

586 591 1% 19%

592 597 1% 20%

598 603 1% 21%

604 608 1% 22%

609 611 1% 23%

612 614 2% 25%

615 619 1% 26%

620 622 1% 27%

623 626 1% 28%

627 629 1% 29%

630 630 1% 30%

631 631 1% 31%



632 634 1% 32%

635 636 1% 33%

637 641 1% 34%

642 644 1% 35%

645 649 1% 36%

650 653 1% 37%

654 656 1% 38%

657 661 1% 39%

662 664 1% 40%

665 668 1% 41%

669 673 1% 42%

674 678 1% 43%

679 682 1% 44%

683 686 1% 45%

687 690 1% 46%

691 694 1% 47%

695 698 1% 48%

699 700 1% 49%

701 703 1% 50%

704 707 1% 51%

708 710 1% 52%

711 713 1% 53%

714 717 1% 54%

718 720 1% 55%

721 723 1% 56%

724 726 1% 57%

727 730 1% 58%

731 733 1% 59%

7184L-CS



734 737 1% 60%

738 741 1% 61%

742 746 1% 62%

747 748 1% 63%

749 753 1% 64%

754 756 1% 65%

757 759 1% 66%

760 764 1% 67%

765 767 1% 68%

768 771 1% 69%

772 774 1% 70%

775 778 1% 71%

779 780 1% 72%

781 783 1% 73%

784 786 1% 74%

787 788 1% 75%

789 790 1% 76%

791 792 1% 77%

793 794 1% 78%

795 796 1% 79%

797 798 1% 80%

799 799 1% 81%

800 801 1% 82%

802 802 1% 83%

803 805 1% 84%

806 806 1% 85%

807 808 1% 86%

809 810 1% 87%



811 811 1% 88%

812 813 1% 89%

814 815 1% 90%

816 817 1% 91%

818 818 1% 92%

819 821 1% 93%

822 825 1% 94%

826 830 1% 95%

831 833 1% 96%

834 837 1% 97%

838 840 1% 98%

841 850 1% 99%




VS 4.0

risk based pricing rule — vantagescore

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