CreditGauge LIVE

In the February 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 also joined by Tony Hutchinson, EVP and Head of Public Affairs at VantageScore, who shares the latest news regarding the FHFA's decision to include VantageScore 4.0 in the mortgage marketplace. Insights from the latest VantageScore CreditGauge™: ➡️ Early-Stage Delinquencies Rise ➡️ Lower Credit Tiers Grow ➡️ Originations Increase Month-Over-Month For more on how FICO Classic maps to VantageScore 4.0, visit: https://vantagescore.co/3MEy6Lr

In the January 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 also joined by Silvio Tavares, President and CEO at VantageScore, who shares how lenders can improve lending capabilities in 2026. Insights from the latest VantageScore CreditGauge™: ➡️ Average VantageScore Declines ➡️ Subprime Credit Tier Grows as Prime Tier Contracts ➡️ Overall Credit Delinquencies Increase

In the December edition of CreditGauge LIVE, VantageScore’s Jeff Richardson, Susan McBreen Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Mani Massoomi, Chief Risk Officer at Patelco Credit Union, who shares insights into the trends affecting consumer credit usage. Insights from the latest VantageScore CreditGauge™: ➡️ Late Stage Delinquencies Increase ➡️ Personal Loan and Credit Card Originations Rise ➡️ Average Credit Balances Climb While Utilization Remains the Same Tune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. Read the latest CreditGauge analysis here: https://vantagescore.co/3K35PN6

In the November edition of CreditGauge LIVE, VantageScore’s Jeff Richardson, Susan McBreen Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Dr. Rikard Bandebo, EVP, Chief Strategy Officer, and Chief Economist at VantageScore, who shares insights into the latest economic trends affecting consumers. Insights from the latest VantageScore CreditGauge™: ➡️ Low-Income Consumers Experience Economic Stress ➡️ Overall Credit Balances Increase ➡️ Mortgage Delinquencies Show Significant Increase Tune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. Read the latest CreditGauge analysis here: https://vantagescore.co/3K35PN6

📈 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 also joined by Dr. Andrada Pacheco, EVP and Chief Data Scientist at VantageScore, who shares the latest data analysis comparing VantageScore 4.0 to FICO Classic for mortgages. In this video: 0:00 Intro 0:18 Originations Trend 1:15 Delinquencies Trend 2:10 Early-Stage Delinquencies 3:32 VantageScore 4.0 vs FICO Classic Insights from the September 2025 VantageScore CreditGauge™: ➡️ New Consumer Credit Activity Slows ➡️ Mortgage Credit Delinquencies Rise ➡️ Early-Stage Delinquencies at Year-to-Date High 🎙️ Find CreditGauge LIVE on ApplePodcasts and Spotify! Tune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. #economictrends #creditscore #consumercredit

In the September edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Dr. Rikard Bandebo, VantageScore EVP, Chief Strategy Officer, and Chief Economist, who shares key insights into the auto loan market. Insights from the August 2025 VantageScore CreditGauge™: ➡️ Consumer Credit Quality Deteriorates ➡️ Superprime and Subprime Delinquency Rates Rise ➡️ Personal Loan Credit Originations Up 🎙️ Find CreditGauge LIVE on ApplePodcasts and Spotify! #economictrends #creditscore #consumercredit

In the August edition of CreditGauge LIVE, VantageScore hosts Ola Fadahunsi, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Jay Budzik, SVP, Director of AI & Machine Learning Operations at Fifth Third, who shares key insights into consumer credit. Insights from the July 2025 VantageScore CreditGauge™: ➡️ Late-Stage Credit Delinquencies Increase ➡️ Auto Loans and Mortgages Drive Delinquencies ➡️ Average VantageScore Credit Score Declines 🎙️ Find CreditGauge LIVE on ApplePodcasts and Spotify! #economictrends #creditscore #consumercredit

In the July edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Armine Karajyan, Senior Director, RMBS, at KBRA, who shares key insights into the mortgage market. Insights from the June 2025 VantageScore CreditGauge™: ➡️ Late-Stage Subprime Delinquencies Rise ➡️ Auto Loan Delinquencies Increase ➡️ Average Credit Balances Remain Elevated 🎙️ Find CreditGauge LIVE on ApplePodcasts and Spotify! #economictrends #mortgages #consumercredit

In the June edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Anthony Hutchinson, EVP and Head of Public Affairs at VantageScore, who shares key insights into the mortgage market. Insights from the May 2025 VantageScore CreditGauge™: ➡️ Early-Stage Delinquencies Rise ➡️ Superprime Delinquencies Triple ➡️ Average Credit Balances Reach New Highs 🎙️ Find CreditGauge LIVE on ApplePodcasts and Spotify! #economictrends #mortgages #consumercredit

In the May edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Michael Girard, Senior Director, Asset-Backed Securities at Fitch Ratings, who shares key insights into the ABS market and consumer finance. Insights from the April 2025 VantageScore CreditGauge™: ➡️ Auto Loans Emerge as Most Active Consumer Credit Category ➡️ Early-Stage Credit Delinquencies Improve ➡️ Overall Borrowing Plateaus 🎙️ Find CreditGauge LIVE on ApplePodcasts and Spotify!

In the April edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Joseph Lau, President at Lord Capital, who shares key insights into the ABS market and consumer finance. Key insights from the March 2025 VantageScore CreditGauge™: ➡️ Credit Card Balances Remain Flat ➡️ Banks Tighten Lending Criteria ➡️ Credit Delinquencies Stable Across All Credit Products 🎙️ Find CreditGauge LIVE on ApplePodcasts and Spotify!

In the March edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Kelsey Zhu, Director and Senior Research Analyst at Autonomous Research, who walks through her outlook for consumer lending in 2025. Key insights from the February 2025 VantageScore CreditGauge™: ➡️ Auto Loan Delinquencies Increased Year-Over-Year ➡️ The Average VantageScore Credit Score Declined ➡️ Late-Stage Delinquencies Rose Sharply 🎙️ Now find CreditGauge LIVE on ApplePodcasts and Spotify! Tune in monthly to CreditGauge LIVE featuring the latest newsmakers impacting interest rates and credit. Read the February 2025 CreditGauge analysis here: https://lnkd.in/eVpUFtcy

Credit Delinquencies Hit Five-Year Highs: January 2025 VantageScore CreditGauge LIVE In the February edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza provide the latest insights into U.S. consumer credit health. This month, they’re also joined by Dan Currell, Former Senior Advisor at the U.S. Department of Education, who discussed the likely impact of student loan payment reporting resumption on consumer credit. Key insights from the January 2025 VantageScore® CreditGauge™: ➡️ Auto Loan Delinquencies Rose ➡️ New Credit Card Account Growth Declined ➡️ Credit Balances Inched Higher Tune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. Read the January 2025 CreditGauge analysis here: https://www.vantagescore.com/lenders/credit-gauge/ Subscribe to VantageScore on YouTube to get notified when CreditGauge LIVE drops monthly.

Why are High Income Consumers Experiencing Higher Growth in Credit Delinquencies?  In the January edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza provide the latest insights into U.S. consumer credit health.  Key insights from the latest VantageScore CreditGauge™:   ➡️ Credit Card Balances In Line with Inflation ➡️ Overall Delinquencies Inched Higher  ➡️ Overall Credit Utilization Declined Year-Over-Year Tune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. Read the latest CreditGauge analysis here: https://www.vantagescore.com/lenders/credit-gauge/ #CreditGaugeLive #Lending #CreditScore #LoanRepayment #FinancialInsights