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CreditGauge Powered by VantageScore™
CreditGauge Powered by VantageScore™
Timely data insights and analysis for consumer credit industry stakeholders
Auto Loan Delinquencies Increased Year-Over-Year, Balances Grew and Originations Stalled
Average VantageScore Credit Score Declined by One Point to 701
Late-Stage Delinquencies Rose Sharply as Student Loan Payment Reporting Resumed
What is CreditGauge™?
Consumer credit industry stakeholders need timely data insights and analysis in order to inform decisions and strategies, a function that becomes even more challenging as the macroeconomic climate becomes increasingly volatile.
CreditGauge Data Dictionary
Average VantageScore 4.0 Credit Score
The average VantageScore® credit score provided in this analysis is a monthly average and it is compared to the same period prior year to measure change.Products
The products included in this analysis are: Auto (Loans + Leases), Mortgage, Credit Card, and Personal Loan.Delinquency Rates
Delinquency rates are calculated as a percentage of DPD (Days Past Due) balance compared to total open and active balance. Delinquency buckets provided are 30 – 59 DPD (Days Past Due), 60 – 89 DPD (Days Past Due), and 90 – 119 DPD (Days Past Due).Utilization Rate / Balance-To-Loan Ratio
BTL ratio reflects the average consumer balance-to-loan amount on open and active accounts in Auto, Personal Loan and Mortgage products. Credit Card Utilization rate is the sum of all outstanding balances divided by the total credit limits.Percentage of Newly Opened Accounts
The percent of newly opened accounts reflects the percentage of consumers that had at least one account opened in the past month.Age Groups
The Age Groups used in this analysis are industry standards. Silent (1928-1945), Boomers (1946–1964), Gen X (1965–1980), Millennials (1981-1996), and Gen Z (1997 +).Previous CreditGauge Reports
CreditGauge Report
VantageScore CreditGauge January 2025 VantageScore
The CreditGauge January 2025 report shows credit delinquencies have hit a five year high Download report to learn more
January 2025
CreditGauge Report
December 2024 CreditGauge Highlights Consumer Caution VantageScore
December 2024 CreditGauge highlights overall consumer credit utilization dropped one full percentage point second lowest in 2024
December 2024
CreditGauge Report
Holiday Consumer Spending Muted By Inflation and Slow Credit Card Balance Growth VantageScore
VantageScore a leading national credit scoring company today released its November 2024 CreditGauge a monthly analysis highlighting the overall health of Read More
November 2024
CreditGauge Report
October 2024 CreditGauge Shows White Collar Debt Pressure VantageScore
Download October 2024 CreditGauge to learn how White Collar workers are feeling the pressure of inflation and delinquencies
October 2024
CreditGauge Report
September 2024 CreditGauge Shows Warning Signs VantageScore
September 2024 CreditGauge overall balances hit a new CreditGauge record for a third consecutive month Download report to learn more
September 2024
CreditGauge Report
Average Credit Balances Hit a Four Year High VantageScore
Average credit balances hit a four year high in August 2024 as VantageScore s CreditGauge report highlights key U S credit trends
August 2024
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