📈 Get the latest trends in consumer credit In the October edition of CreditGauge LIVE, VantageScore’s Jeff Richardson, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re joined by Dr. Andrada Pacheco, Ph.D., EVP and

According to the latest VantageScore CreditGauge, mortgage credit delinquencies in all stages experienced the most significant increase across products in October 2025. This was driven primarily by the 60–89 DPD category, which rose by 12.1%, the highest relative increase among

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Fact Check: VantageScore® Is Used by Leading Banks and Financial Institutions Across Industries TRUE: Real-time usage of VantageScore credit scores rose 74% year-over-year for the first six months of 2025. VantageScore is the most widely-used credit score by the largest issuers

📊 According to the latest VantageScore CreditGauge™, the average credit balance increased to $106,700, a rise of $153 (+0.14%) from the previous month, marking a new five-year high in October 2025. The ongoing increase in average balances suggests sustained borrowing demand

VantageScore CreditGauge™ October 2025: Credit Delinquencies for Lower-Income Consumers Rise Modestly as Overall Credit Utilization Increases Entering Holiday Spending Season Since mid-2025, lower-income borrowers have led year-over-year increases in delinquencies 60+ Days Past

VantageScore Analysis Reveals Increase in Auto Loan Delinquencies Across All Credit Tiers “Auto loans have not followed the trends of other credit products as delinquencies have been persistently trending up across all credit tiers and income groups over the past 15 years,” said

Consumer Credit Market Embraces the Transition to VantageScore 4.0: VantageScore Chief Economist at NCRA Conference “Following the FHFA’s historic acceptance of VantageScore 4.0 for mortgages, the consumer credit market is fully embracing the transition to our highly predictive

Buy Now, Pay Later (BNPL) loans have become a popular financial tool for many consumers. As we enter a period of increased shopping during the holidays, it’s important to understand how these loans work and what impact, if any, they can have on your credit score.

VantageScore 4.0 expands credit access and gives lenders better insights. Dr. Andrada Pacheco, Ph.D., VantageScore® EVP and Chief Data Scientist, discusses how:

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Rental history in credit scores could expand mortgage access to millions: VantageScore - Scotsman Guide

Delinquencies on the Rise as Borrowers Stay Under Pressure: VantageScore in National Mortgage News "This signals that payment pressure is building in the mortgage space," said Atif Mirza, Senior Vice President and Head of Credit Insights at VantageScore, on VantageScore’s

New Analysis Finds Millions of Renters Become Mortgage-Eligible When On-Time Rent Payments Are Included in VantageScore 4.0 Credit Score Millions of American adult renters could become eligible for a mortgage by incorporating on-time rental payments into their credit reports,

Overall credit delinquencies edged higher in September, with 30-59 Days Past Due delinquencies rising to 1.13%, up slightly from 1.02% in August, according to the latest VantageScore CreditGauge™. These early-stage delinquencies are approaching the pre-pandemic threshold of

🏠 Mortgage credit delinquencies increased month-over-month and year-over-year across all stages of delinquency in September 2025, according to the latest VantageScore CreditGauge™. The rise was most pronounced in late-stage (90-119 Days Past Due) accounts, reaching the highest

US Auto Delinquencies Have Jumped 50% From 2010: VantageScore Chief Economist in Bloomberg “We’re seeing the cost of cars and the cost related to car ownership increase enormously. In the past five years, it has increased even faster,” said Dr. Rikard Bandebo, Chief Strategy

Our team enjoyed connecting with industry leaders at the Mortgage Bankers Association Annual Conference in Las Vegas this week! If you couldn’t attend, let’s connect! To learn about VantageScore 4.0 and how it stands out as the modern, tri-bureau credit scoring model designed

VantageScore Adoption Surges: Lenders Flock to Superior Predictive Capabilities Powered by Trended, Alternative Data For the first six months of 2025, online usage of VantageScore mortgage scores rose 74% year-over-year, according to Charles River Associates, the third-party

Fact Check: VantageScore 4.0 is Consistently Proven to Outperform FICO Classic for Mortgage Predictability TRUE: VantageScore 4.0 identifies more high-risk borrowers and ranks risk more efficiently than FICO Classic, no matter the statistical methodology used to evaluate