One of the differentiating factors of the VantageScore^® models is the ability to calculate scores for more consumers, which includes those who are new to the credit market, infrequent credit users, or those who have two or fewer credit accounts.

The VantageScore^® models are more likely to provide a score for consumers who are very new to credit and have less than 6 months of history. They also score those with activity up to two years ago on at least one of the accounts in their file.