VANTAGESCORE 4PRE

credit scoring and credit risk evaluation services for financial institutions and other lenders, namely, analysis of real-time credit score adjustments based on a preview of the impact of additional, unreported credit related variables and factors on a consumer credit score; consumer credit score simulation and analysis, namely, analysis of data to preview and forecast the impact of different variables and behaviors on a consumer’s credit score

providing online, non-downloadable software, namely software as a services (“SaaS”) platform that allows financial institutions and other lenders to preview consumer credit scores that include additional verified data before it is reflected or reported on the credit file; providing temporary use of on-line, non-downloadable, computer software for use by financial institutions and other lenders to preview, assess and evaluate consumer creditworthiness and consumer credit risk based on as yet unreported credit data and information; SaaS platform that allows financial institutions and other lenders to assess and evaluate consumer creditworthiness and credit risk by providing access to credit-related consumer data before it is reflected in a consumer credit report all for the purpose of evaluating credit worthiness, credit risk and credit services