First Read: Credit & Decision Making Software "VantageScore 5.0 Focuses on..."

Research evidence excerpt

First Read: Credit & Decision Making Software "VantageScore 5.0 Focuses on..."

Global Research

8 July 2026ab

First Read

EquitiesCredit & Decision Making Software

VantageScore 5.0 Focuses on Accuracy Americas

Software

Kevin McVeigh

VantageScore 5.0 is now Available Analyst

Today, VantageScore announced the availability of VantageScore 5.0—nationwide tri- kevin.mcveigh@ubs.com

bureau credit score trained on post-pandemic consumer loan data. This is focused on +1-212-882 0081

enhancing predictive power by providing an additional predictive lift up to 9% on Bruna Werneck

unsecured loans + auto loans vs. VantageScore 3.0; VantageScore suggests some early Associate Analyst

lender adoption confirming increased accuracy. This latest announcement will likely add bruna.werneck@ubs.com

to the scores accuracy debate—following the July 1st FICO announcement that the +1-212-882 5955

Government Sponsored Enterprises [GSEs]—Fannie Mae and Freddie Mac—have Olivia Bradlee

released historical data for FICO 10T from April-13 to Sep-25—~70 lenders signed up. Associate Analyst

That said, we continue to monitor feedback from lenders on predictiveness + adoption olivia.bradlee@ubs.com

willingness of BOTH scores the next months. We also look for comments from +1-212-713 1227

VantageScore on any potential number of additional people scored with VS 5.0—as of

June, relationships with the credit bureaus provide access to data allowing score of

additional 30m+ people. As the industry shifts to dual scores amid ongoing structural

changes—FICO expecting its Direct License Program to go live this summer + expecting

eventual ~90% reseller adoption—we expect elevated volatility to persist amid eventful

months ahead. Amid continued uncertainty we believe Equifax is best positioned amid