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April 2025 CreditGauge
Tariffs Ramp Up Auto Credit, Originations Exceed Pre-Pandemic Highs
Early-Stage Late Payments Fall
Delinquency Rate (30-59 DPD)
Innovations
Empowering Lenders with Industry Leading Innovation and Insights
VantageScore 4.0
Machine Learning Technology + Trended Credit Data = Score 33 Million More U.S. Consumers
VantageScore 4plus™
All the Benefits of VantageScore 4.0 + Bank Data = Over 10% Predictive Lift
VantageScore 5.0
Innovative and Proprietary GAIN Attributes™ Generate Insights Beyond Traditional Scoring Inputs
Quantifying the Relationship between VantageScore Credit Scores and the Relative Risk of Default
Industries We Serve
Explore How VantageScore Can Transform Your Lending Decisions
Mortgage
Auto
Credit Card
Credit Unions
Capital Markets
Policy Makers
In The News
June 6, 2025Why Are US Consumers Boosting Credit Usage? VantageScore CEO on Yahoo! Finance
Digital Tools
May 28, 2025April 2025 CreditGauge shows that fears drove April auto, mortgage borrowing - VantageScore on National Mortgage News
Mortgage Industry News Trends Regulations
May 28, 2025Community Home Lenders of America Call on the FHFA to Implement VantageScore
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Our Customers and What They Say
Over 3,700 banks, fintechs and other institutions use VantageScore credit scores every day to assess consumer creditworthiness.
Most top 10 US banks, large credit unions and leading fintechs use VantageScore credit scores in one or more lines of business including credit cards, auto loans, personal loans and more.
Through our testing of VantageScore 4plus, we've seen its ability to more accurately represent a consumer's creditworthiness, helping Patelco increase its ability to lend to more members during these uncertain economic times.
Yazel Pardo,
Head of Credit Risk at Patelco
Credit Union
We started using non-FCRA CPD data in our origination just over two years ago and it already has had a big impact on our top line growth... If you can provide an FCRA compliant scoring adjustment, we will sign up now.
VP, Credit Risk and Fraud
We have been using our own customers checking data in our models for as long as I have been here. Being able to incorporate checking data for scoring applicants who do not bank with us would be a big win.
Head of Credit Strategy and Optimization
The use of consumer permissioned bank account data is a huge step forward in creating a credit score that is more predictive and reflective of a consumer's full financial profile, helping them build their credit and gain access to mainstream financial products. We applaud VantageScore's innovation and encourage greater usage of VantageScore 4plus among lenders.
Dara Duguay, CEO of Credit Builders Alliance
I have no doubt that incorporating DDA data is the future for credit scoring. This is the way the world is going.
Head of Consumer Lending
