Risk-based Pricing Rule

Overview

The Fact Act Risk Based Pricing Rule, issued by the Federal Reserve Board and the Federal Trade Commission, requires any company that uses a credit report or score in connection with a credit decision – including companies such as banks, mortgage bankers, auto lenders and retailers – to send notice to a consumer when, based on a credit report or score, the company grants credit on "material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers." It essentially requires lenders to notify consumers when they charge consumers more for credit based on the consumers’ credit reports. The requirement was motivated by a concern that, because consumers are entitled to "adverse action" notices under the FCRA only when they are denied credit (or do not accept a counteroffer for credit), consumers are not adequately apprised of the effect of credit reports on the pricing of credit. The final rule was published on January 15, 2010.

TransUnion Solutions

To help the financial community comply with the Risk-based Pricing Rules, TransUnion has made two solutions available for lenders. These options fully support the credit score disclosure exception notice model forms in the Rule and are designed to help consumers understand how their credit scores compare to the scores of other U.S. consumers.

First, TransUnion has provided both score distribution graphs and score interval tables to assist in generating credit score disclosure exception notices.

Second, TransUnion has created the Score Percentile Ranking as an add-on service to the credit report, enabling financial institutions to produce credit score disclosure exception notices without the added time and expense of maintaining multiple score distribution graphs. See General Announcements 90 and 96 for details about the Score Percentile Ranking solution.

Score Distribution Graphs and Interval Tables

See information below for the following models: TruValidate™, TruVision™, VantageScore®, and FICO®. Each file contains a Terms and Conditions page. The graphs are zip files consisting of a graph in .pdf format and a graph in .jpg format for each score model referenced. The tables are Excel spreadsheets.

TruValidate Early Payment Default Score (.zip)

Last Updated: 08/17/2023

TruValidate Early Payment Default Score (.xls)

Last Updated: 08/17/2023

TruValidate Rapid Default Score (.zip)

Last Updated: 08/17/2023

TruValidate Rapid Default Score (.xls)

Last Updated: 08/17/2023

TruVision Account Management Score 2.0 (.zip)

Last Updated: 08/17/2023

TruVision Account Management Score 2.0 (.xls)

Last Updated: 08/17/2023

TruVision Account Management Score 3.0 (.zip)

Last Updated: 08/17/2023

TruVision Account Management Score 3.0 (.xls)

Last Updated: 08/17/2023

TruVision Auto Score 1.0 (.zip)

Last Updated: 08/17/2023

TruVision Auto Score 1.0 (.xls)

Last Updated: 08/17/2023

TruVision Bankruptcy Score 1.0 (.zip)

Last Updated: 08/17/2023

TruVision Bankruptcy Score 1.0 (.xls)

Last Updated: 08/17/2023

TruVision Blended FA Score 2.0 (.zip)

Last Updated: 12/01/2023

TruVision Blended FA Score 2.0 (.xls)

Last Updated: 12/01/2023

TruVision Alternative FA Score 2.0 (.zip)

Last Updated: 12/01/2023

TruVision Alternative FA Score 2.0 (.xls)

Last Updated: 12/01/2023

TruVision Blended FB Score 2.0 (.zip)

Last Updated: 12/01/2023

TruVision Blended FB Score 2.0 (.xls)

Last Updated: 12/01/2023

TruVision Alternative FB Score 2.0 (.zip)

Last Updated: 12/01/2023

TruVision Alternative FB Score 2.0 (.xls)

Last Updated: 12/01/2023

TruVision Blended FCA Score 2.0 (.zip)

Last Updated: 12/01/2023

TruVision Blended FCA Score 2.0 (.xls)

Last Updated: 12/01/2023

TruVision Blended Personal Loan Early Pay Default Score (.zip)

Last Updated: 08/17/2023

TruVision Blended Personal Loan Early Pay Default Score (.xls)

Last Updated: 08/17/2023

TruVision Blended Personal Loan Risk Score (.zip)

Last Updated: 08/17/2023

TruVision Blended Personal Loan Risk Score (.xls)

Last Updated: 08/17/2023

TruVision Interactive Score (.zip)

Last Updated: 08/17/2023

TruVision Interactive Score (.xls)

Last Updated: 08/17/2023

TruVision New Account Score 1.0 (.zip)

Last Updated: 08/17/2023

TruVision New Account Score 1.0 (.xls)

Last Updated: 08/17/2023

TruVision New Account Score 2.0 (.zip)

Last Updated: 08/17/2023

TruVision New Account Score 2.0 (.xls)

Last Updated: 08/17/2023

TruVision New Account Score 3.0 (.zip)

Last Updated: 08/17/2023

TruVision New Account Score 3.0 (.xls)

Last Updated: 08/17/2023

TruVision Trended Account Management Score (.zip)

Last Updated: 08/17/2023

TruVision Trended Account Management Score (.xls)

Last Updated: 08/17/2023

TruVision Trended Acute Relief Score (.zip)

Last Updated: 08/17/2023

TruVision Trended Acute Relief Score (.xls)

Last Updated: 08/17/2023

TruVision Trended Auto Score (.zip)

Last Updated: 08/17/2023

TruVision Trended Auto Score (.xls)

Last Updated: 08/17/2023

TruVision Trended Auto Score 2.0 (.zip)

Last Updated: 08/17/2023

TruVision Trended Auto Score 2.0 (.xls)

Last Updated: 08/17/2023

TruVision Trended Bankruptcy Score (.zip)

Last Updated: 08/17/2023

TruVision Trended Bankruptcy Score (.xls)

Last Updated: 08/17/2023

TruVision Trended Bankruptcy Score 2.0 (.zip)

Last Updated: 08/17/2023

TruVision Trended Bankruptcy Score 2.0 (.xls)

Last Updated: 08/17/2023

TruVision Trended Financial Security Score (.zip)

Last Updated: 08/17/2023

TruVision Trended Financial Security Score (.xls)

Last Updated: 08/17/2023

TruVision Trended New Account Score (.zip)

Last Updated: 08/17/2023

TruVision Trended New Account Score (.xls)

Last Updated: 08/17/2023

TruVision Trended New Account Score 2.0 (.zip)

Last Updated: 08/17/2023

TruVision Trended New Account Score 2.0 (.xls)

Last Updated: 08/17/2023

TruVision Trended Personal Loan Risk to Roll Score (.zip)

Last Updated: 08/17/2023

TruVision Trended Personal Loan Risk to Roll Score (.xls)

Last Updated: 08/17/2023

TruVision Trended Personal Loan Score (.zip)

Last Updated: 08/17/2023

TruVision Trended Personal Loan Score (.xls)

Last Updated: 08/17/2023

TruVision TUIRS Auto Model (.zip)

Last Updated: 08/17/2023

TruVision TUIRS Auto Model (.xls)

Last Updated: 08/17/2023

TruVision TUIRS Property Model (.zip)

Last Updated: 08/17/2023

TruVision TUIRS Property Model (.xls)

Last Updated: 08/17/2023

VantageScore® 1.0 (.zip)

Last Updated: 08/17/2023

VantageScore® 1.0 (.xls)

Last Updated: 08/17/2023

VantageScore® 2.0 (.zip)

Last Updated: 08/17/2023

VantageScore® 2.0 (.xls)

Last Updated: 08/17/2023

VantageScore® 3.0 (.zip)

Last Updated: 08/17/2023

VantageScore® 3.0 (.xls)

Last Updated: 08/17/2023

VantageScore® 4.0 (.zip)

Last Updated: 08/17/2023

VantageScore® 4.0 (.xls)

Last Updated: 08/17/2023

VantageScore® Authorized User (.zip)

Last Updated: 08/17/2023

VantageScore® Authorized User (.xls)

Last Updated: 08/17/2023

FICO® Bankruptcy 1.0 (.xls)

Last Updated: 08/17/2023

FICO® Bankruptcy 2.0 (.zip)

Last Updated: 08/17/2023

FICO® Bankruptcy 2.0 (.xls)

Last Updated: 08/17/2023

FICO® Score 4 (.zip)

Last Updated: 08/17/2023

FICO® Score 4 (.xls)

Last Updated: 08/17/2023

FICO® Auto Score 4 (.zip)

Last Updated: 08/17/2023

FICO® Auto Score 4 (.xls)

Last Updated: 08/17/2023

FICO® Bankcard Score 4 (.zip)

Last Updated: 08/17/2023

FICO® Bankcard Score 4 (.xls)

Last Updated: 08/17/2023

FICO® Installment Score 4 (.zip)

Last Updated: 08/17/2023

FICO® Installment Score 4 (.xls)

Last Updated: 08/17/2023

FICO® Personal Finance Score 4 (.zip)

Last Updated: 08/17/2023

FICO® Personal Finance Score 4 (.xls)

Last Updated: 08/17/2023

FICO® Score 8 (.zip)

Last Updated: 08/17/2023

FICO® Score 8 (.xls)

Last Updated: 08/17/2023

FICO® Auto Score 8 (.zip)

Last Updated: 08/17/2023

FICO® Auto Score 8 (.xls)

Last Updated: 08/17/2023

FICO® Bankcard Score 8 (.zip)

Last Updated: 08/17/2023

FICO® Bankcard Score 8 (.xls)

Last Updated: 08/17/2023

FICO® Mortgage Score 8 (.zip)

Last Updated: 08/17/2023

FICO® Mortgage Score 8 (.xls)

Last Updated: 08/17/2023

FICO® Score 9 (.zip)

Last Updated: 08/17/2023

FICO® Score 9 (.xls)

Last Updated: 08/17/2023

FICO® Auto Score 9 (.zip)

Last Updated: 08/17/2023

FICO® Auto Score 9 (.xls)

Last Updated: 08/17/2023

FICO® Bankcard Score 9 (.zip)

Last Updated: 08/17/2023

FICO® Bankcard Score 9 (.xls)

Last Updated: 08/17/2023

FICO® Score 98 (.zip)

Last Updated: 08/17/2023

FICO® Score 98 (.xls)

Last Updated: 08/17/2023

FICO® Auto Score 98 (.zip)

Last Updated: 08/17/2023

FICO® Auto Score 98 (.xls)

Last Updated: 08/17/2023

FICO® Bankcard Score 98 (.zip)

Last Updated: 08/17/2023

FICO® Bankcard Score 98 (.xls)

Last Updated: 08/17/2023

FICO® NG Score 2 (.zip)

Last Updated: 08/17/2023

FICO® NG Score 2 (.xls)

Last Updated: 08/17/2023

FICO® NG Score 1 (.zip)

Last Updated: 08/17/2023

FICO® NG Score 1 (.xls)

Last Updated: 08/17/2023

FICO® Score 10 (.zip)

Last Updated: 08/17/2023

FICO® Score 10 (.xls)

Last Updated: 08/17/2023

FICO® Score 10 T (.zip)

Last Updated: 08/17/2023

FICO® Score 10 T (.xls)

Last Updated: 07/13/2022

FICO® Auto Score 10 (.zip)

Last Updated: 08/17/2023

FICO® Auto Score 10 (.xls)

Last Updated: 08/17/2023

FICO® Bankcard Score 10 (.zip)

Last Updated: 08/17/2023

FICO® Bankcard Score 10 (.xls)

Last Updated: 08/17/2023

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