Score Models
List of Scoring Models
Explore our list of scoring models, including FICO and VantageScore, used to assess creditworthiness for individuals and businesses.
- TR Constructions · FICO 9
- 730 /850
- TR Constructions · FICO SBSS
- 175 /300
Vantage Scores
Inclusive and Accurate Credit Scoring
VantageScore is a credit scoring model by Equifax, Experian, and TransUnion. We offer VantageScore 3.0, which scores more consumers, including those with limited history. VantageScore 4.0 excludes paid collections for more precise and inclusive scoring.
"requestData": { "firstName": "J"
"lastName": "SMITH"
"middleName": "FRANK"
"ssn": "666321234"
"addresses": [
"borrowerResidencyType": "Current"
"addressLine1": "1234 ELM STREET"
"city": "SPRINGFIELD"
"state": "IL"
"postalCode" : "62704"
] } , "repositoryIncluded": { "transunion": true,
"experian": false, "equifax": false } ,
"responseDetail": { "dateRequested":FICO Scores
Comprehensive Credit Risk Evaluation
FICO Score models are widely used credit scoring systems evaluating creditworthiness based on factors like payment history and credit utilization. We offer FICO Score 2, 5, 9, 10 and more for consumer credit, and FICO SBSS for business credit, providing tailored risk assessments for diverse lending needs.
consumer credit
- FICO Score2
- FICO Score5
- FICO Score9
- FICO Score10
- and more
business credit
- FICOSBSS
Differences
FICO vs VantageScore
FICO scores are based on credit data from a single credit bureau: Experian, Equifax, or TransUnion; VantageScore combines information from all three bureaus. FICO requires a credit account with a history of at least six months and activity on any credit account during the last six months. A VantageScore may be created for a credit report with at least one credit account, regardless of the history.
FICO
a single credit bureau
a history of at least six months
VantageScore
all three bureaus
at least one credit account, regardless of the history
All options to get started
Launch with ease using CRS. Whether you have developers on staff, are migrating from an existing solution, or starting fresh, we have flexible options to get you up and running smoothly.
- Full System Migration & End-to-End Replacement
Seamlessly transition from your outdated credit reporting system to a modern, efficient platform. No hassle, just better performance and compliance.
Get Started- Custom Credit API Integration
Integrate our credit reporting services directly into your existing platform with a customized API, ensuring real-time data and smooth operations.
Get Started- Web Access for Small Businesses
No IT department? No problem. Access our easy-to-use credit reporting tools through a secure web portal designed for businesses of any size.
Get Started
Simplify activation and maintenance with
One integration for 3 bureau access
Supporting a variety of permissible purposes and industries
FAQ
What is CRS One?
CRS One is a unified credit underwriting platform that gives lenders and fintechs access to all three major credit bureaus through a single API endpoint. It standardizes credit report data into a consistent MISMO 3.4 format so teams can use bureau data more easily across underwriting, risk decisioning, identity verification, fraud detection, and portfolio monitoring. The result is faster integrations, cleaner data mappings, and a more scalable credit data infrastructure for production environments.
Does CRS One support both soft and hard inquiries?
Yes. CRS One supports both soft inquiries and hard inquiries, depending on your permissible purpose, product configuration, and bureau requirements. This flexibility allows teams to use CRS One for use cases like prequalification style workflows, full underwriting, account review, and ongoing monitoring while maintaining compliance aligned controls.
What data format does CRS One use?
CRS One is built on the MISMO 3.4 standard, a widely adopted credit data schema used across the lending ecosystem. By normalizing bureau responses into MISMO, CRS One reduces integration complexity, minimizes edge cases, and makes it easier for engineering, data, and analytics teams to parse tradelines, inquiries, public records, and consumer identity fields consistently across bureaus.
What score models does CRS One support?
CRS One supports a wide range of credit score models and risk scores, including FICO scores and VantageScore models. Common options include FICO 8, FICO 9, FICO 10, FICO Auto Scores, FICO Classic, Fair Isaac Risk Model v2, Fair Isaac Risk Model v3, plus VantageScore 3.0 and VantageScore 4.0. Score model availability depends on bureau configuration, permissible purpose, and your underwriting workflow.
Can CRS One provide trended data and other add ons?
Yes. CRS One supports a broad set of credit bureau add ons and enrichment tools, depending on bureau and permissible purpose. Common add ons include Trended Data, OFAC screening, Income Insight, Fraud Shield, and Bankruptcy Plus Score. These add ons help teams improve credit risk assessment, strengthen fraud prevention, and increase decision accuracy without adding additional vendors or separate integrations.