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Jake Fowler

The Impact to Credit Scores & Credit Score Models From Data Suppression

Recorded On: 11/03/2016


Nick Rose, Senior Scientist, VantageScore Solutions


There are many potential credit file entries that scoring models evaluate when predicting the likelihood that a given consumer will default on his or her loan payments. Tax liens and civil judgement records are recognizable factors; both of which are being reviewed as part of the National Consumer Assistance Plan (NCAP) to enhance the accuracy of credit reports and make it easier and more transparent for consumers dealing with their personal credit information.

How will the removal of certain public records affect a credit score, your customers and, ultimately, provide lenders with a more diverse and expansive lending universe? Using the latest analytics and research, viewers will learn about the unscoreable population and the importance of fine-tuning your credit assessment tools - whether it be through removing non-essential credit file entries to validating credit score models annually - to improve predictability and accuracy as well as facilitate inclusiveness. The webinar also will review potential changes in the credit scoring industry and how your bank can navigate what's to come.


  1. Impact of public records on credit scores
  2. Latest research on the unscoreable population
  3. Importance of staying transparent and updated with your bank's risk assessment tools


  1. Diversify and expand your lending pool
  2. Improve risk predictability with loan candidates
  3. Understanding of future credit scoring industry changes and how it affects your bottom line


Nick Rose, Senior Scientist, VantageScore Solutions

Nick Rose currently serves as Senior Scientist at VantageScore Solutions, the company behind the VantageScoreĀ® credit scoring model. In this role his responsibilities include revalidating and enhancing the flagship consumer credit score model VantageScore, which was introduced in 2006 by the three national credit reporting companies: Equifax, Experian and TransUnion. Mr. Rose's primary responsibilities include stress testing, identifying credit usage patterns and factors that will improve the VantageScore model's accuracy, consistency and stability. Additionally, Mr. Rose plans and executes studies and whitepapers focused on the impacts of myriad economic conditions and borrower behaviors on consumer credit scores.

Prior to working with Vantagescore Solutions, Mr. Rose served as Chief Analyst for retail banking at JPMorganChase. In this position Rose's responsibilities included managing teams devoted to developing advanced analytical models for evaluation and optimization of business strategies for retail banking infrastructure including branch planning, marketing, human resources, loss forecasting, finance and risk operations. His other activities included analytic contributions to a diverse set of business unit challenges (retail, business banking, branch planning, collections, risk operations, home lending loss forecasting) that helped drive decision-making.

Nick earned a PhD in Statistics from Texas A&M University.

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