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 4.0 475 Anton Boulevard Costa Mesa, CA 92626 www.experian.com To view a specific graph or table, click on the respective link below.
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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
475 Anton BoulevardCosta Mesa, CA 92626www.experian.com
To view a specific graph or table, click on the respective link below.
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
VantageScore® 2.0 - National Score Distribution
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%
VantageScore® 2.0 - National Score Distribution
Minimum Maximum Interval “Ranks higher than X%” Cumulative
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
VantageScore® 2.0 - National Score Distribution
Minimum Maximum Interval “Ranks higher than X%” Cumulative
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%
VantageScore® 2.0 - National Score Distribution
Minimum Maximum Interval “Ranks higher than X%” Cumulative
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
VS 2.0
7184L-CS
VantageScore® 3.0 - National Score Distribution
Minimum Maximum Interval “Ranks higher than X%” Cumulative
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%
VantageScore® 3.0 - National Score Distribution
Minimum Maximum Interval “Ranks higher than X%” Cumulative
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
VantageScore® 3.0 - National Score Distribution
Minimum Maximum Interval “Ranks higher than X%” Cumulative
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%
VantageScore® 3.0 - National Score Distribution
Minimum Maximum Interval “Ranks higher than X%” Cumulative
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
VS 3.0
7184L-CS
VantageScore® 4.0 - National Score Distribution
Minimum Maximum Interval “Ranks higher than X%” Cumulative
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%
VantageScore® 4.0 - National Score Distribution
Minimum Maximum Interval “Ranks higher than X%” Cumulative
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
VantageScore® 4.0 - National Score Distribution
Minimum Maximum Interval “Ranks higher than X%” Cumulative
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%
VantageScore® 4.0 - National Score Distribution
Minimum Maximum Interval “Ranks higher than X%” Cumulative
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