Model Scores

Overview

  • Scores range from 300-850

FICO

  • Developed and owned by FICO
  • Custom built for each bureau
  • Requires at least 1 account older than 6 months, that has been reported within the prior 6 months
  • Multiple inquiries in 45 day window treated as single inquiry if for the same type of credit product

Vantage

  • Joint-venture owned by “Big 3” credit bureaus
  • Same model used by all 3 bureaus
  • Requires at least 1 account older than 1 month, that has been reported within the prior 24 months
  • Multiple inquiries within 14 day window treated as single inquiry regardless of type of credit product

Fields


scoreModel.source - DataSource! non-null

The Data Source that this model originated from, not always the same as where the Score value data itself originated from.


scoreModel.name - ModelName! non-null

The model used for scoring.


scoreModel.identifier - String

The identifier of the model used at the Data Source.


scoreModel.description - String

The human readable description used at the Data Source for the specific model.


scoreModel.indicator - String

The indicator code specific to the data origin (i.e., Equifax's type code for the Score model).