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Fair Isaac may not feel threatened, per se, by Vantage. However, I suspect that a spate of lawsuit victories for the consumer against the credit industry in recent years--several for over $100K and one in the past few days for $800K--has spurred FI to action. Folks will be demanding that "something" be done.
In the Cortez lawsuit for $800K, the jury included a note on the verdict form stating, "The Trans Union business process needs to be completely revamped with much more focus on customer service and the consumer."
FI will be able to rightly say they are taking steps. I expect the Big Three to update the window treatments and swap out the carpet, but the underlying architecture will remain intact.
Lenders want more subprime borrowers, and I would expect that changes to FICO scoring will bring in more subprime borrowers.
I daresay many will be watching in September.
Remember, remember the fifth of September ...
Where did I put that Guy Fawkes mask.
Post deleting in five, four, three, two ...