www.vantagescore.com
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162.159.135.42
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Submitted URL: https://vantagescore.cmail20.com/t/j-l-gzno-duuuutuhlk-i/
Effective URL: https://www.vantagescore.com/lenders/inclusion360/
Submission Tags: urlscan
Submission: On June 05 via api from US — Scanned from DE
Effective URL: https://www.vantagescore.com/lenders/inclusion360/
Submission Tags: urlscan
Submission: On June 05 via api from US — Scanned from DE
Form analysis 5 forms found in the DOM
#
<form role="search" action="#" autocomplete="off" aria-label="Search form"><input type="search" class="orig" placeholder="Search here..." name="phrase" value="" aria-label="Search input" autocomplete="off"><input type="text" class="autocomplete"
name="phrase" value="" aria-label="Search autocomplete input" aria-hidden="true" tabindex="-1" autocomplete="off" disabled=""></form>Name: options —
<form name="options" class="asp-fss-flex" aria-label="Search settings form" autocomplete="off"><input type="hidden" name="current_page_id" value="9434"><input type="hidden" name="qtranslate_lang" value="0"><input type="hidden" name="filters_changed"
value="0"><input type="hidden" name="filters_initial" value="1">
<div style="clear:both;"></div>
</form>POST /lenders/inclusion360/#gf_39
<form method="post" enctype="multipart/form-data" id="gform_39" action="/lenders/inclusion360/#gf_39" data-formid="39" novalidate="">
<input type="hidden" class="gforms-pum" value="{"closepopup":false,"closedelay":0,"openpopup":false,"openpopup_id":0}">
<div class="gform-body gform_body">
<div id="gform_fields_39" class="gform_fields top_label form_sublabel_below description_below validation_below">
<fieldset id="field_39_1" class="gfield gfield--type-name gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_39_1">
<legend class="gfield_label gform-field-label gfield_label_before_complex">Name<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></legend>
<div class="ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row" id="input_39_1">
<span id="input_39_1_3_container" class="name_first gform-grid-col gform-grid-col--size-auto">
<input type="text" name="input_1.3" id="input_39_1_3" value="" aria-required="true">
<label for="input_39_1_3" class="gform-field-label gform-field-label--type-sub ">First</label>
</span>
<span id="input_39_1_6_container" class="name_last gform-grid-col gform-grid-col--size-auto">
<input type="text" name="input_1.6" id="input_39_1_6" value="" aria-required="true">
<label for="input_39_1_6" class="gform-field-label gform-field-label--type-sub ">Last</label>
</span>
</div>
</fieldset>
<div id="field_39_3" class="gfield gfield--type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_39_3">
<label class="gfield_label gform-field-label" for="input_39_3">Email<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label>
<div class="ginput_container ginput_container_email">
<input name="input_3" id="input_39_3" type="email" value="" class="large" aria-required="true" aria-invalid="false">
</div>
</div>
<div id="field_39_5" class="gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_39_5">
<label class="gfield_label gform-field-label" for="input_39_5">Company<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label>
<div class="ginput_container ginput_container_text"><input name="input_5" id="input_39_5" type="text" value="" class="large" aria-required="true" aria-invalid="false"> </div>
</div>
<div id="field_39_4"
class="gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"
data-js-reload="field_39_4" data-conditional-logic="hidden" style="display: none;">You must use a business email address.</div>
<div id="field_39_6" class="gfield gfield--type-captcha gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible" data-js-reload="field_39_6"><label
class="gfield_label gform-field-label" for="input_39_6">CAPTCHA</label>
<div id="input_39_6_0" class="ginput_container ginput_recaptcha gform-initialized" data-sitekey="6LfYZLUoAAAAANfiakEDf-eh0rDOk6mziZn7zk88" data-theme="light" data-tabindex="-1" data-size="invisible" data-badge="bottomright">
<div class="grecaptcha-badge" data-style="bottomright"
style="width: 256px; height: 60px; display: block; transition: right 0.3s ease 0s; position: fixed; bottom: 14px; right: -186px; box-shadow: gray 0px 0px 5px; border-radius: 2px; overflow: hidden;">
<div class="grecaptcha-logo"><iframe title="reCAPTCHA" width="256" height="60" role="presentation" name="a-ip1gm6r08tvq" frameborder="0" scrolling="no"
sandbox="allow-forms allow-popups allow-same-origin allow-scripts allow-top-navigation allow-modals allow-popups-to-escape-sandbox allow-storage-access-by-user-activation"
src="https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LfYZLUoAAAAANfiakEDf-eh0rDOk6mziZn7zk88&co=aHR0cHM6Ly93d3cudmFudGFnZXNjb3JlLmNvbTo0NDM.&hl=en&v=DH3nyJMamEclyfe-nztbfV8S&theme=light&size=invisible&badge=bottomright&cb=3ivo8jmyqdv7"
tabindex="-1"></iframe></div>
<div class="grecaptcha-error"></div><textarea id="g-recaptcha-response" name="g-recaptcha-response" class="g-recaptcha-response"
style="width: 250px; height: 40px; border: 1px solid rgb(193, 193, 193); margin: 10px 25px; padding: 0px; resize: none; display: none;"></textarea>
</div>
</div>
</div>
</div>
</div>
<div class="gform_footer before"> <input type="submit" id="gform_submit_button_39" class="gform_button button" value="Talk to an Implementation Expert"
onclick="if(window["gf_submitting_39"]){return false;} if( !jQuery("#gform_39")[0].checkValidity || jQuery("#gform_39")[0].checkValidity()){window["gf_submitting_39"]=true;} "
onkeypress="if( event.keyCode == 13 ){ if(window["gf_submitting_39"]){return false;} if( !jQuery("#gform_39")[0].checkValidity || jQuery("#gform_39")[0].checkValidity()){window["gf_submitting_39"]=true;} jQuery("#gform_39").trigger("submit",[true]); }"
data-conditional-logic="visible">
<input type="hidden" class="gform_hidden" name="is_submit_39" value="1">
<input type="hidden" class="gform_hidden" name="gform_submit" value="39">
<input type="hidden" class="gform_hidden" name="gform_unique_id" value="">
<input type="hidden" class="gform_hidden" name="state_39" value="WyJbXSIsImJiMzMzNDU3MjU3MGNiYzc1YTM2MjcyZGYzMjZiYTI2Il0=">
<input type="hidden" class="gform_hidden" name="gform_target_page_number_39" id="gform_target_page_number_39" value="0">
<input type="hidden" class="gform_hidden" name="gform_source_page_number_39" id="gform_source_page_number_39" value="1">
<input type="hidden" name="gform_field_values" value="">
</div>
</form>POST /lenders/inclusion360/#gf_15
<form method="post" enctype="multipart/form-data" id="gform_15" action="/lenders/inclusion360/#gf_15" data-formid="15" novalidate="">
<input type="hidden" class="gforms-pum" value="{"closepopup":false,"closedelay":0,"openpopup":false,"openpopup_id":0}">
<div class="gform-body gform_body">
<div id="gform_fields_15" class="gform_fields top_label form_sublabel_below description_below validation_below">
<fieldset id="field_15_1" class="gfield gfield--type-name gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_15_1">
<legend class="gfield_label gform-field-label gfield_label_before_complex">Name<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></legend>
<div class="ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row" id="input_15_1">
<span id="input_15_1_3_container" class="name_first gform-grid-col gform-grid-col--size-auto">
<input type="text" name="input_1.3" id="input_15_1_3" value="" aria-required="true">
<label for="input_15_1_3" class="gform-field-label gform-field-label--type-sub ">First</label>
</span>
<span id="input_15_1_6_container" class="name_last gform-grid-col gform-grid-col--size-auto">
<input type="text" name="input_1.6" id="input_15_1_6" value="" aria-required="true">
<label for="input_15_1_6" class="gform-field-label gform-field-label--type-sub ">Last</label>
</span>
</div>
</fieldset>
<div id="field_15_2" class="gfield gfield--type-email gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_15_2"><label
class="gfield_label gform-field-label" for="input_15_2">Email<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label>
<div class="ginput_container ginput_container_email">
<input name="input_2" id="input_15_2" type="email" value="" class="large" aria-required="true" aria-invalid="false">
</div>
</div>
<div id="field_15_3" class="gfield gfield--type-textarea gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_15_3"><label
class="gfield_label gform-field-label" for="input_15_3">Comments<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label>
<div class="ginput_container ginput_container_textarea"><textarea name="input_3" id="input_15_3" class="textarea medium" aria-required="true" aria-invalid="false" rows="10" cols="50"></textarea></div>
</div>
<div id="field_15_4" class="gfield gfield--type-captcha gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible" data-js-reload="field_15_4"><label
class="gfield_label gform-field-label" for="input_15_4">CAPTCHA</label>
<div id="input_15_4_1" class="ginput_container ginput_recaptcha gform-initialized" data-sitekey="6LfYZLUoAAAAANfiakEDf-eh0rDOk6mziZn7zk88" data-theme="light" data-tabindex="-1" data-size="invisible" data-badge="bottomright">
<div class="grecaptcha-badge" data-style="none" style="width: 256px; height: 60px; position: fixed; visibility: hidden;">
<div class="grecaptcha-logo"><iframe title="reCAPTCHA" width="256" height="60" role="presentation" name="a-21bgitftugm" frameborder="0" scrolling="no"
sandbox="allow-forms allow-popups allow-same-origin allow-scripts allow-top-navigation allow-modals allow-popups-to-escape-sandbox allow-storage-access-by-user-activation"
src="https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LfYZLUoAAAAANfiakEDf-eh0rDOk6mziZn7zk88&co=aHR0cHM6Ly93d3cudmFudGFnZXNjb3JlLmNvbTo0NDM.&hl=en&v=DH3nyJMamEclyfe-nztbfV8S&theme=light&size=invisible&badge=bottomright&cb=xwmrdaakw7mz"
tabindex="-1"></iframe></div>
<div class="grecaptcha-error"></div><textarea id="g-recaptcha-response-1" name="g-recaptcha-response" class="g-recaptcha-response"
style="width: 250px; height: 40px; border: 1px solid rgb(193, 193, 193); margin: 10px 25px; padding: 0px; resize: none; display: none;"></textarea>
</div>
</div>
</div>
<div id="field_15_5" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_15_5"><label
class="gfield_label gform-field-label" for="input_15_5">Name</label>
<div class="ginput_container"><input name="input_5" id="input_15_5" type="text" value="" autocomplete="new-password"></div>
<div class="gfield_description" id="gfield_description_15_5">This field is for validation purposes and should be left unchanged.</div>
</div>
</div>
</div>
<div class="gform_footer top_label"> <input type="submit" id="gform_submit_button_15" class="gform_button button" value="Submit Feedback"
onclick="if(window["gf_submitting_15"]){return false;} if( !jQuery("#gform_15")[0].checkValidity || jQuery("#gform_15")[0].checkValidity()){window["gf_submitting_15"]=true;} "
onkeypress="if( event.keyCode == 13 ){ if(window["gf_submitting_15"]){return false;} if( !jQuery("#gform_15")[0].checkValidity || jQuery("#gform_15")[0].checkValidity()){window["gf_submitting_15"]=true;} jQuery("#gform_15").trigger("submit",[true]); }">
<input type="hidden" class="gform_hidden" name="is_submit_15" value="1">
<input type="hidden" class="gform_hidden" name="gform_submit" value="15">
<input type="hidden" class="gform_hidden" name="gform_unique_id" value="">
<input type="hidden" class="gform_hidden" name="state_15" value="WyJbXSIsImJiMzMzNDU3MjU3MGNiYzc1YTM2MjcyZGYzMjZiYTI2Il0=">
<input type="hidden" class="gform_hidden" name="gform_target_page_number_15" id="gform_target_page_number_15" value="0">
<input type="hidden" class="gform_hidden" name="gform_source_page_number_15" id="gform_source_page_number_15" value="1">
<input type="hidden" name="gform_field_values" value="">
</div>
</form>POST /lenders/inclusion360/#gf_26
<form method="post" enctype="multipart/form-data" id="gform_26" action="/lenders/inclusion360/#gf_26" data-formid="26" novalidate="">
<input type="hidden" class="gforms-pum" value="{"closepopup":false,"closedelay":0,"openpopup":false,"openpopup_id":0}">
<div class="gform-body gform_body">
<div id="gform_fields_26" class="gform_fields top_label form_sublabel_below description_below validation_below">
<div id="field_26_1" class="gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_26_1">
<label class="gfield_label gform-field-label" for="input_26_1">Name<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label>
<div class="ginput_container ginput_container_text"><input name="input_1" id="input_26_1" type="text" value="" class="large" aria-required="true" aria-invalid="false"> </div>
</div>
<div id="field_26_3" class="gfield gfield--type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_26_3">
<label class="gfield_label gform-field-label" for="input_26_3">Email<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label>
<div class="ginput_container ginput_container_email">
<input name="input_3" id="input_26_3" type="email" value="" class="large" aria-required="true" aria-invalid="false">
</div>
</div>
<div id="field_26_9"
class="gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"
data-js-reload="field_26_9" data-conditional-logic="hidden" style="display: none;">Your email appears to be a non-work email address. If you are a consumer, please use <a href="https://www.vantagescore.com/consumers/contact/">this form</a>.
</div>
<div id="field_26_4" class="gfield gfield--type-textarea gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_26_4"
data-conditional-logic="visible"><label class="gfield_label gform-field-label" for="input_26_4">Message<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label>
<div class="ginput_container ginput_container_textarea"><textarea name="input_4" id="input_26_4" class="textarea small" aria-required="true" aria-invalid="false" rows="10" cols="50" data-conditional-logic="visible"></textarea></div>
</div>
<div id="field_26_10" class="gfield gfield--type-captcha gfield--width-full field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible" data-js-reload="field_26_10"><label
class="gfield_label gform-field-label" for="input_26_10">CAPTCHA</label>
<div id="input_26_10_2" class="ginput_container ginput_recaptcha gform-initialized" data-sitekey="6LfYZLUoAAAAANfiakEDf-eh0rDOk6mziZn7zk88" data-theme="light" data-tabindex="-1" data-size="invisible" data-badge="bottomright">
<div class="grecaptcha-badge" data-style="none" style="width: 256px; height: 60px; position: fixed; visibility: hidden;">
<div class="grecaptcha-logo"><iframe title="reCAPTCHA" width="256" height="60" role="presentation" name="a-u6nmrvteuf3l" frameborder="0" scrolling="no"
sandbox="allow-forms allow-popups allow-same-origin allow-scripts allow-top-navigation allow-modals allow-popups-to-escape-sandbox allow-storage-access-by-user-activation"
src="https://www.google.com/recaptcha/api2/anchor?ar=1&k=6LfYZLUoAAAAANfiakEDf-eh0rDOk6mziZn7zk88&co=aHR0cHM6Ly93d3cudmFudGFnZXNjb3JlLmNvbTo0NDM.&hl=en&v=DH3nyJMamEclyfe-nztbfV8S&theme=light&size=invisible&badge=bottomright&cb=fvjnikx3tqx9"
tabindex="-1"></iframe></div>
<div class="grecaptcha-error"></div><textarea id="g-recaptcha-response-2" name="g-recaptcha-response" class="g-recaptcha-response"
style="width: 250px; height: 40px; border: 1px solid rgb(193, 193, 193); margin: 10px 25px; padding: 0px; resize: none; display: none;"></textarea>
</div><iframe style="display: none;"></iframe>
</div>
</div>
</div>
</div>
<div class="gform_footer top_label"> <input type="submit" id="gform_submit_button_26" class="gform_button button" value="Submit"
onclick="if(window["gf_submitting_26"]){return false;} if( !jQuery("#gform_26")[0].checkValidity || jQuery("#gform_26")[0].checkValidity()){window["gf_submitting_26"]=true;} "
onkeypress="if( event.keyCode == 13 ){ if(window["gf_submitting_26"]){return false;} if( !jQuery("#gform_26")[0].checkValidity || jQuery("#gform_26")[0].checkValidity()){window["gf_submitting_26"]=true;} jQuery("#gform_26").trigger("submit",[true]); }"
data-conditional-logic="visible">
<input type="hidden" class="gform_hidden" name="is_submit_26" value="1">
<input type="hidden" class="gform_hidden" name="gform_submit" value="26">
<input type="hidden" class="gform_hidden" name="gform_unique_id" value="">
<input type="hidden" class="gform_hidden" name="state_26" value="WyJbXSIsImJiMzMzNDU3MjU3MGNiYzc1YTM2MjcyZGYzMjZiYTI2Il0=">
<input type="hidden" class="gform_hidden" name="gform_target_page_number_26" id="gform_target_page_number_26" value="0">
<input type="hidden" class="gform_hidden" name="gform_source_page_number_26" id="gform_source_page_number_26" value="1">
<input type="hidden" name="gform_field_values" value="">
</div>
</form>Text Content
Consumers
Lenders & Fintechs
Policy Makers
Capital Markets
Credit Bureaus
About Us
Implement VantageScore
INCLUSION360 POWERED BY VANTAGESCORE®
Pinpointing Opportunities for Financial Inclusion
WHAT IS INCLUSION360®?
Financial inclusion and its impact on wealth equality remain one of the most
important issues facing consumers, lenders and policy makers. To enable greater
financial inclusion, VantageScore has launched Inclusion360. The groundbreaking,
open access, and interactive analytics platform uses comprehensive data sets to
uncover previously underserved consumers by geographic market. VantageScore is
an industry leader in driving financially inclusive credit outcomes for
traditionally underserved groups including Black, Hispanic, and Asian consumers.
View Inclusion360 map
--------------------------------------------------------------------------------
Video Player
00:00
How to Use Inclusion360
1
Select a Geographical Area
Use the menu in the upper right to select a County, Congressional District,
CBSA, or PUMAs map to view.
2
Filter Data
Use the filters above the map to select your desired State(s), Sub-Geography(s),
and Measure.
3
View / Download Your Data
Click the buttons at the bottom right of the tool to view your filtered data as
a table or download it as a CSV.
Select a Geographical Area:
Select a geographical area
Select a State
All (type to search)
* All
* Alabama
* Alaska
* Arizona
* Arkansas
* California
* Colorado
* Connecticut
* Delaware
* District of Columbia
* Florida
* Georgia
* Hawaii
* Idaho
* Illinois
* Indiana
* Iowa
* Kansas
* Kentucky
* Louisiana
* Maine
* Maryland
* Massachusetts
* Michigan
* Minnesota
* Mississippi
* Missouri
* Montana
* Nebraska
* Nevada
* New Hampshire
* New Jersey
* New Mexico
* New York
* North Carolina
* North Dakota
* Ohio
* Oklahoma
* Oregon
* Pennsylvania
* Puerto Rico
* Rhode Island
* South Carolina
* South Dakota
* Tennessee
* Texas
* Utah
* Vermont
* Virginia
* Washington
* West Virginia
* Wisconsin
* Wyoming
1 option selected
Select a Counties
All (type to search)
* All
1 option selected
Select a Measure
% Total Scored by VantageScore
* % Total Scored by VantageScore
* % Newly Scored by VantageScore
* % Conventionally Scored
* Total Population Size
* % of White Households
* % of Hispanic Households
* % of Black Households
* % of Asian Households
* % of Other Households
* Average VantageScore
* % Opportunity > 600
* Newly Lendable Opportunity > 600
* % Opportunity > 610
* Newly Lendable Opportunity > 610
* % Opportunity > 620
* Newly Lendable Opportunity > 620
* % Opportunity > 630
* Newly Lendable Opportunity > 630
* % Opportunity > 640
* Newly Lendable Opportunity > 640
* % Opportunity > 650
* Newly Lendable Opportunity > 650
* % Opportunity > 660
* Newly Lendable Opportunity > 660
% Total Scored by VantageScore
Total
Population Size 324.7M
Newly Lendable
Opportunity > 620
12.8M
Selected Filters: Alabama: All Districts California: District 10 Texas: District
3 Utah: District 1
TO GET STARTED, SELECT A GEOGRAPHICAL AREA HERE.
TO GET STARTED, SELECT A GEOGRAPHICAL AREA HERE.
NOTICE TO USERS: All data and information provided in and by Inclusion360® is
for informational purposes only and should not be relied upon for financial,
marketing, legal, technical, or other purpose or advice. Users are responsible
for compliance with all applicable laws and regulations when using such data and
information, including fair lending laws which require equitable treatment of
all credit applicants without regard to prohibited factors such as race, color,
or national origin. Consistent with VantageScore’s mission to be a leader in
increasing financial inclusion and equitable access to mainstream credit,
Inclusion360 identifies potential opportunities to use VantageScore credit
scoring models to expand access to credit in underserved communities. It is
unlawful for a lender to discriminate on a prohibited basis in any aspect of a
credit transaction. Users should not under any circumstances use Inclusion360 to
facilitate credit-related decisions using any prohibited discriminatory factor
or the illegal practice of “redlining” (avoiding to provide services to
individuals living in communities of color because of the race or national
origin of the people who live in those communities), or for any other prohibited
purpose.
Please review these Terms Of Use before using or accessing Inclusion360.
Inclusion360 is provided ''as is'' and on an ''as-available'' basis.
VantageScore has no obligation to update any of the data and information
provided in and by Inclusion360.
Depictions of VantageScore credit scores are not a guarantee of obtaining a
VantageScore or of obtaining a score in any credit score range depicted as
lendable. VantageScore results may vary and not all lenders use VantageScore 4.0
or may use a different version of a VantageScore credit scoring model.
Inclusion360 uses the U.S. Census Bureau’s Congressional District Relationship
files to map Congressional Districts to ZIP code data. The Congressional
Relationship files are based on 2010 Census and the Congressional Districts of
the 116th Congress (January 2019 - January 2021). Inclusion360 has not been
updated to reflect the limited number of changes to Districts for the 117th
Congress.
Geo-coding: A significant portion of the analysis used to generate the estimate
of information and data provided in and by Inclusion360 is based on the
geo-coding of consumer credit data using the U.S. Census Bureau and U.S.
Department of Housing and Urban Development geo-coding sources. Inclusion360
maps zip-code level data to sub-geographies such as PUMA, CBSA, Congressional
District and County.
The information and data provided in and by Inclusion360 (other than third-party
information) and their arrangement, are copyright ©2024 by VantageScore
Solutions, LLC. All rights reserved. Subject to the Terms Of Use, Inclusion360
and the information contained herein may be used solely for personal,
informational, and noncommercial purposes or, if you are a
VantageScore-authorized entity, for internal business purposes. Except as
otherwise provided, you may not modify, copy, distribute, transmit, post,
display, perform, reproduce, publish, license, create derivative works from,
transfer, or sell any pages, data, information, software, products, or services
obtained from or through Inclusion360 unless you have obtained the prior written
permission of VantageScore.
Terms of Use
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EXPLORE OUR ADDITIONAL DIGITAL TOOLS
NEWLY SCOREABLE
--------------------------------------------------------------------------------
Based on anonymized consumer credit data from Equifax, Experian and TransUnion
and using the VantageScore 4.0 credit scoring model, there are approximately 33
million “newly scoreable” consumers in the United States. “Newly Scoreable”
consumers are those who are not scoreable using conventional credit scoring
models but can be scored by VantageScore 4.0.
Assess the “newly scoreable” opportunity in each type of consumer population
segment and data points below:
Percent of Black Households
Proportion of households in selected area who are Black (estimated from 2019
ACS)
Learn More
Percent of Hispanic Households
Proportion of households in selected area who are Hispanic (estimated from 2019
ACS)
Learn More
Percent of White Households
Proportion of households in selected area who are White (estimated from 2019
ACS)
Learn More
Percent of Asian Households
Proportion of households in selected area who are Asian (estimated from 2019
ACS)
Learn More
PERCENT OF OTHER HOUSEHOLDS
Proportion of households in selected area defined as other include, American
Indian Alaskan Natives, Native Hawaiian Pacific Islander and other (estimated
from 2019 ACS)
Learn More
PERCENT OF CONVENTIONALLY SCORED
Proportion of credit-eligible consumers in selected area that are scored by
conventional models, based on publicly available scoring criteria information
Learn More
PERCENT OF NEWLY SCORED
Proportion of credit-eligible consumers in selected area that are newly scored
by VantageScore 4.0
Learn More
PERCENT SCORED BY VANTAGESCORE
Proportion of credit-eligible consumers in selected area that are scored by
VantageScore 4.0. (Including conventionally and newly scored populations)
Learn More
AVERAGE VANTAGESCORE CREDIT SCORE
Average VantageScore 4.0 generated for credit-eligible consumers in selected
area
Learn More
PERCENT NEWLY SCORED 620 AND ABOVE
Proportion of consumers newly scored by VantageScore 4.0 in selected area where
score generated in 620 and above
Learn More
NEWLY LENDABLE OPPORTUNITY
Estimated number of consumers newly scored by VantageScore 4.0 in selected area
Learn More
IDENTIFYING THE OPPORTUNITY
Inclusion360 powered by VantageScore is built using U.S. Census Bureau data from
the 2019 5-Year American Community Survey (‘ACS Data’) combined with a sample of
15 million anonymized credit files from the three major credit reporting
companies (Equifax, Experian, TransUnion). Using this data, we can map various
data elements by:
Core-based Statistical Area (CBSA)
Public Use Microdata Area (PUMA)
County level
Congressional District
Notice to Users
NOTICE TO USERS: All data and information provided in and by Inclusion360 is for
informational purposes only and should not be relied upon for financial,
marketing, legal, technical, or other purpose or advice. Users are responsible
for compliance with all applicable laws and regulations when using such data and
information, including fair lending laws which require equitable treatment of
all credit applicants without regard to prohibited factors such as race, color,
or national origin. Consistent with VantageScore’s mission to be a leader in
increasing financial inclusion and equitable access to mainstream credit,
Inclusion360 identifies potential opportunities to use VantageScore credit
scoring models to expand access to credit in underserved communities. It is
unlawful for a lender to discriminate on a prohibited basis in any aspect of a
credit transaction. Users should not under any circumstances use Inclusion360 to
facilitate credit-related decisions using any prohibited discriminatory factor
or the illegal practice of “redlining” (avoiding to provide services to
individuals living in communities of color because of the race or national
origin of the people who live in those communities), or for any other prohibited
purpose.
Please review these Terms of Usebefore using or accessing Inclusion360.
Inclusion360 is provided "as is" and on an "as-available" basis. VantageScore
has no obligation to update any of the data and information provided in and by
Inclusion360.
Depictions of VantageScore credit scores are not a guarantee of obtaining a
VantageScore credit score or of obtaining a score in any credit score range
depicted as lendable. VantageScore results may vary and not all lenders use
VantageScore 4.0 or may use a different version of a VantageScore credit scoring
model.
Inclusion360 uses the U.S. Census Bureau’s Congressional District Relationship
files to map Congressional Districts to ZIP code data. The Congressional
Relationship files are based on 2010 Census and the Congressional Districts of
the 116th Congress (January 2019 - January 2021). Inclusion360 has not been
updated to reflect the limited number of changes to Districts for the 117th
Congress.
Geo-coding:A significant portion of the analysis used to generate the estimate
of information and data provided in and by Inclusion360 is based on the
geo-coding of consumer credit data using the U.S. Census Bureau and U.S.
Department of Housing and Urban Development geo-coding sources. Inclusion360
maps zip-code level data to sub-geographies such as PUMA, CBSA, Congressional
District and County.
The information and data provided in and by Inclusion360 (other than third-party
information) and their arrangement, are copyright ©2024 by VantageScore, LLC.
All rights reserved. Subject to the Terms of Use, Inclusion360 and the
information contained herein may be used solely for personal, informational, and
noncommercial purposes or, if you are a VantageScore-authorized entity, for
internal business purposes. Except as otherwise provided, you may not modify,
copy, distribute, transmit, post, display, perform, reproduce, publish, license,
create derivative works from, transfer, or sell any pages, data, information,
software, products, or services obtained from or through Inclusion360 unless you
have obtained the prior written permission of VantageScore.
Sources
Geocoding Sources:
Zip code to Census tract relationship file
Census tract to PUMA relationship file
Code Tabulation Area (ZCTA) Relationship File Record
Zip code CBSA file is used from the HUDUSER Office of Policy development and
Research website
2010 Congressional District Relationship Files (Nation-based)
Want to Learn More About VantageScore Implementation for Your Business?
Contact a Specialist
VantageScore is a leading credit-score model development company that generates
the most inclusive, innovative and predictive models used in the consumer-credit
marketplace.
LENDER AND FINTECH TOOLS
* CreditGauge™
* Inclusion360®
* RiskRatio™
* MarketGain™
--------------------------------------------------------------------------------
INDUSTRIES WE SERVE
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* Auto
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LENDER AND FINTECH RESOURCES
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* THE SCORE Podcast
* Research and Whitepapers
* Lender Blog
WHY VANTAGESCORE
* Our Models
* Key Benefits
* The Science
* Credit with a Conscience
* How To Implement
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AUDIENCES
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* ← Back
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* ← Back
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* ← Back
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* ← Back
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* ← Back
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VANTAGESCORE FOR CONSUMERS
Do you know your credit score?
Get your credit score for free along with valuable information to help increase
your credit worth.
Get My Free Credit Score
CONSUMER EDUCATION
* How Credit Scores Work
* How To Build Your Credit
* Consumer FAQs
* Tips About Credit
* Student Loan Repayment Info
CONSUMER RESOURCES
* Free Credit Scores
* Credit Score Quiz
* Credit & Coffee Podcast
* Consumer Blog
* ReasonCode
VANTAGESCORE FOR LENDERS & FINTECHS
Stay on top of the latest credit news.
Receive weekly insights from VantageScore experts and industry thought leaders.
Subscribe to the VantageScore View
LENDER & FINTECH TOOLS
* CreditGaugeTM
* Inclusion360®
* RiskRatioTM
* MarketGainTM
LENDER & FINTECH RESOURCES
* Lender FAQs
* THE SCORE Podcast
* Research and Whitepapers
* Lender Blog
WHY VANTAGESCORE?
* Our Models
* Key Benefits
* The Science
* Credit with a Conscience
* How To Implement
INDUSTRIES WE SERVE
* Mortgage
* Auto
* Credit Card
* Credit Unions
VANTAGESCORE FOR POLICY MAKERS
Pinpoint opportunities for financial inclusion.
VantageScore's groundbreaking interactive analytics platform, Inclusion360,
uncovers under-served consumers by geographic market.
Access Inclusion360
POLICY MAKER RESOURCES
* Financial Inclusion
* Research and Whitepapers
* THE SCORE Podcast
FINANCIAL INCLUSION TOOLKIT
* Inclusion360®
* 2023 Market Adoption Study
* 2023 Model Assessment
VANTAGESCORE FOR CAPITAL MARKETS
RiskRatio powered by VantageScore.
Gain insight into the relationship between credit scores and default levels at
different points in time for both originations and existing accounts.
Access RiskRatio
CAPITAL MARKETS
* Research and Whitepapers
* Market Adoption
* ESG
* Capital Market FAQ
TOOLS
* RiskRatioTM
* Inclusion360®
* CreditGaugeTM
VANTAGESCORE FOR CREDIT BUREAUS
Log in to view Credit Bureau content.
Discover in depth research and access customized tools designed to support you
and your client.
Credit Bureau Login
CREDIT BUREAU PORTALS
* Equifax
* Experian
* TransUnion
* Registration
WHO WE ARE
VantageScore is the leading credit score modeling and analytics company for
innovation and financial inclusion.
About VantageScore
ABOUT VANTAGESCORE
* Our People
* Press
* Careers
* Events
* Contact
WHY VANTAGESCORE?
* Our Models
* Key Benefits
* The Science
* Credit with a Conscience
* How To Implement
INDUSTRIES WE SERVE
* Mortgage
* Auto
* Credit Card
* Credit Unions
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