oneapp uses a Soft Credit pull from the VantageScore 4.0
Model: The latest tri-bureau credit scoring model
VantageScore 4.0
VantageScore 4.0 is the first and only credit scoring system
that examines consumer credit behavior over a period of time,
instead of via a simple snapshot.
Fair & Balanced
A cutting-edge credit scoring model that takes into account a
broader range of credit data, allowing for a more
comprehensive evaluation of your creditworthiness
Includes Rent payment history
Vantage 4.0 incorporate rent payment data when present on the
credit file
Thin Credit
Includes data on Consumers who have only credit accounts that
are less than six months in age, like Millennials, 21% of
which have limited credit history.
Surface Dormant Data
Consumers who haven't had an update/ reporting on their credit
files in the past six months but have had updates more than
six months ago
Vantage 4.0 is better than FICO
Includes coverage of underserved consumers unscorable by
legacy methods (FICO), while maintaining safety and soundness.