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May 2025 CreditGauge
Rising Mortgage Delinquencies Point to Potential Credit Stress
Early-Stage Late Payments Rise
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
July 9, 2025Millions More Creditworthy Americans Will Become Homeowners with VantageScore 4.0 - VantageScore CEO on Yahoo! Finance
In The News
July 9, 2025VantageScore 4.0 for Mortgages Could Help More People Buy Homes: VantageScore on Yahoo! Finance
Mortgage Industry News Trends Regulations
July 8, 2025FHFA Announces Long-Awaited Acceptance of VantageScore 4.0, Unleashing Access to Mortgages for Millions of “Forgotten Americans”
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VantageScore's Fast-Growing Market Adoption
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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.
All top 10 banks use VantageScore credit scores or digital tools in one or more lines of business.
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
