Does anyone have any info on this scoring model? I've seen a few posts on Reddit recently where US Bank has used it for a CLI request. I've seen multiple instances of individuals being denied based on this model, where someone with high 700s/near 800 Fico 8 scores returns a TU RDM V1 score in the mid-upper 400s. The scale is 300-850, just like many Fico models. Coming in some 300 points lower seems a bit crazy, but I have no idea what makes this model tick. From what I can gather, it perhaps considers revolving debt dollars more strongly than utilization percentages... so where a high TCL can help when it comes to Fico scoring, it doesn't seem to help with TU RDM V1. That's just a hunch at this point and we definitely need more data on it. Does anyone have any further insight?
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TransUnion Rapid Default Model Version 1

1 of 5
8 months ago
Wed Jan 17, 2024 12:20 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 41 minutes Next Level in15 days, 3 hours, and 19 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 41 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 41 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 41 minutes ago
Does anyone have any info on this scoring model?

I've seen a few posts on Reddit recently where US Bank has used it for a CLI request. I've seen multiple instances of individuals being denied based on this model, where someone with high 700s/near 800 Fico 8 scores returns a TU RDM V1 score in the mid-upper 400s. The scale is 300-850, just like many Fico models. Coming in some 300 points lower seems a bit crazy, but I have no idea what makes this model tick.

From what I can gather, it perhaps considers revolving debt dollars more strongly than utilization percentages... so where a high TCL can help when it comes to Fico scoring, it doesn't seem to help with TU RDM V1. That's just a hunch at this point and we definitely need more data on it.

Does anyone have any further insight?
BrutalBodyShots
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Re: TransUnion Rapid Default Model Version 1

2 of 5
8 months ago
Wed Jan 17, 2024 1:55 am
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 20 hours, and 41 minutes Next Level in15 days, 3 hours, and 19 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 3 hours, and 19 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 3 hours, and 19 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 3 hours, and 19 minutes
From looking at the description from TransUnion and the reports on reddit it looks like they're talking about bust out indicators. I found this helpful list of them on another website.
Put any of two or three of these factors into play, and there’s a good chance you could be staring down a bust-out in motion: – A large number of credit applications in a short period of time – Invalid, inconsistent, or missing personal data on applications – Sudden increases in credit limits – Maxing out on credit limits and making only minimum payments – Defaulting on payments – Lack of availability through given contact information for long periods of time
https://www.outseer.com/payment-securit ... out-fraud/ If TransUnion is viewing indicators the same then getting multiple CLIs, people maxing out cards with BTs, etc., will all have very low scores. I'm imagining that the new account impact is probably pretty high too, possibly even higher than the mortgage scores. There's not much public information about this score out there yet so it will be interesting to see the full picture as more banks start using it.
Saeren
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Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
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Re: TransUnion Rapid Default Model Version 1

3 of 5
8 months ago
Wed Jan 17, 2024 11:50 am
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 41 minutes Next Level in6 days, 3 hours, and 19 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 41 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 41 minutes ago
We already hit the front page of Bing. Most of the search results are just copies of a TU press release. Image
Cassie
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Developer
  • Score data EQ8:790 TU8:790 EX8:795
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Re: TransUnion Rapid Default Model Version 1

4 of 5
8 months ago
Thu Jan 18, 2024 12:26 am
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 20 hours, and 41 minutes Next Level in15 days, 3 hours, and 19 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 3 hours, and 19 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 3 hours, and 19 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 3 hours, and 19 minutes
Cassie wrote: ↑Wed Jan 17, 2024 11:50 am We already hit the front page of Bing. Most of the search results are just copies of a TU press release. [Quoted post had an image here.]
Hell yeah!
Saeren
User avatar
Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
0
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Re: TransUnion Rapid Default Model Version 1

5 of 5
8 months ago
Thu Jan 18, 2024 3:58 am
User avatar
Dinosaur
Seasoned RebelDinosaur
Level4 Last INQMonday, April 8, 2024 Gardening For4 months, 30 days, 20 hours, and 41 minutes Next Level in3 hours and 19 minutes on September 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in7 months, 3 hours, and 19 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 7 months, 3 hours, and 19 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 7 months, 3 hours, and 19 minutes
Cassie wrote: ↑Wed Jan 17, 2024 11:50 am We already hit the front page of Bing. Most of the search results are just copies of a TU press release. [Quoted post had an image here.]
Hmm ... copy cats :)
Dinosaur
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Seasoned Rebel
  • Score data EQ8:808 TU8:803 EX8:799
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