Anyone have DP on a Real-Time Adjusted Credit Score?

[boxmover]

Anyone have data points or information about a Real Time Adjusted Credit Score?

VantageScore 4Plus(tm) features all the benefits of the widely adopted VantageScore 4.0 model PLUS an
actionable, real-time adjusted credit score based on attributes that leverage consumer-permissioned
bank account information that is FCRA compliant.

The link to the PDF is here: http://www.vantagescore.com/download/19064/?tmstv=1729625557

It seems... interesting! and I searched the forums unsuccessfully for info about it, thanks in advance!

[pizzadude]

This sounds like what many creditors are already requesting for CLIs and approvals -- access to bank accounts to review / assess cash flow / income, etc..

I doubt the VS4+ score would be made available to consumers even if it's being used, but I haven't seen any mentions of it. 

[Jnbmom]

Widely adopted 😂😂😂

[Patient957]

Seems similar to, but not exactly the same as, things like Experian Boost, where the consumer consents to give access to bank account data and the scoring algorithm uses that data to provide a score boost, if warranted.

[Lou-natic]

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@Jnbmom wrote:

Widely adopted 😂😂😂

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VS4.0 is a mortgage score now, required for Fannie Mae and Freddie Mac backed (or potentially backed) home loans same as Fico10T. That definitely makes it "widely adopted".