I'm assuming you mean this thread...
https://www.city-data.com/forum/busin...-question.html
Thanks for remembering the name of it
![Smile](https://pics3.city-data.com/forum/images/smilies/smile.gif)
I couldn't remember the name Vantage. I sure hope lenders sway towards that system, but I just don't see it happening anytime soon.
There are actually a few other scoring models out there, and while they could be considered valid in theory, it's all about the people with the money. The people lending the money choose wihch scoring model they want to use, and 95% of them use the Fair Isaac Corporation (FICO) model.