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Auto Loans Flashed Caution Signs, Late Payments Increase and Average VantageScore Declines

Auto Loans Flashed Caution Signs, Late Payments Increase and Average VantageScore Declines

March 26, 2025
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 Highest Levels in Five Years

Credit Delinquencies Hit Highest Levels in Five Years

February 26, 2025
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.
Are Consumers Using Credit More Cautiously?

Are Consumers Using Credit More Cautiously?

January 27, 2025
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
"The Score" Episodes
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The Impact of AI in FinTech

The Impact of AI in FinTech

September 9, 2024
According to the World Economic Forum, 85% of financial services organizations are using AI in some capacity. It’s no secret the artificial intelligence ‘arms race’ is impacting virtually every industry, especially financial services. It’s also creating interesting and novel challenges for every industry, both in its application and its usage. It’s often said that technology advances faster than regulation. Is that the case with artificial intelligence, or are the rules of the road kee...
Bank of America: VantageScore 4.0 is “Better” for Mortgage

Bank of America: VantageScore 4.0 is “Better” for Mortgage

August 21, 2024
To date, nearly all mortgage loans continue to use outdated credit scoring models, though in other loan categories, much newer, more predictive, and inclusive models are most commonly used. But the mortgage industry is advancing. By next year, all mortgage loans backed by Fannie Mae and Freddie Mac will require a VantageScore 4.0 credit score. In advance of this change, Bank of America recently issued an independent research report analyzing the VantageScore 4.0 mortgage data set. ...
A $1 Trillion Opportunity?

A $1 Trillion Opportunity?

July 23, 2024
It's been called the “$1 trillion opportunity.” Currently, the housing market is paralyzed. Homeowners are left out of the market due to a lack of inventory or—even worse—can’t access it due to outdated credit scoring models that exclude them. Recent VantageScore research found an estimated $1 trillion of pent-up growth potential in the form of borrowers who have historically been left out of homeownership opportunities due to unfairly restrictive, decades-old scoring models. But that's...
The Importance of Competition in Financial Services

The Importance of Competition in Financial Services

July 9, 2024
For markets to operate efficiently and for consumers to receive the best services, it is critical that competition exists in the financial services industry. Credit unions, or not-for-profit financial cooperatives, have unique structural differences that allow them to pass profits onto their member-depositors in the form of lower loan interest rates, higher yields on savings, and fewer or lower fees. With historically high interest rates deeply impacting household budgets and consumers’...
Is Consumer Credit Health Proving Resilient?

Is Consumer Credit Health Proving Resilient?

June 4, 2024
CreditGauge, VantageScore’s monthly analysis of consumer credit health, found that in April 2024, delinquencies declined for a second straight month. To date, consumers are weathering economic pressures fairly well. But is this proof of a climb out of a delinquency-heavy phase, or are household budgets on a bumpy roller coaster ride longer-term? Atif Mirza is Vice President of Digital at VantageScore, where he manages the VantageScore suite of digital tools for lenders – CreditGauge, Inclusio...
What Are the Root Causes of Financial Exclusion?

What Are the Root Causes of Financial Exclusion?

May 21, 2024
Through exploitative interest rates of up to 600%, predatory lenders extract an estimated $9 billion from consumers each year – often from low-income communities of color and other populations unable to access the credit they need. We know what financial inclusion is, and why it’s important. But what creates ‘financial exclusion’ to begin with, and how can we work to eradicate it? David Henderson, Founder and CEO of Giving Credit, joins The SCORE this week. Giving Credit is a fint...
What's Next for the Housing Market?

What's Next for the Housing Market?

April 3, 2024
Whether you’re a renter or a homeowner, you likely have already had to contend with some of the challenges of the current housing market. While buyers and current homeowners faced persistently high mortgage rates and low housing supply in recent years, renters also faced steep cost increases in many markets. Will 2024 be more of the same? Selma Hepp is the Chief Economist for CoreLogic, America’s largest provider of advanced property and ownership information, analytics and data-enabled servi...
Reasons for Optimism: A 2024 Consumer Credit Outlook

Reasons for Optimism: A 2024 Consumer Credit Outlook

March 18, 2024
Originations across many product types – mortgage, credit cards, and the like -- were all lower in 2023 than the year prior. Historically high interest rates pinched consumers and made it less appealing to open new lines of credit. Will 2024 be more of the same? What can consumers and lenders alike expect in the coming year? Is the economy’s elusive ‘soft landing’ anywhere in sight? Kelsey Zhu, Lead Analyst at Bernstein/Autonomous, joins The SCORE this week. Kelsey to talk us through w...
Consumer Credit Health in 2024

Consumer Credit Health in 2024

February 13, 2024
Spending is up! Delinquencies are up? And oh, it's an election year! With the resumption of student loan payments, persistent inflation, and other potential challenges, what can consumers expect in 2024? To be sure, all eyes will be on the economic health of consumers. This week, Susan Fahy joins THE SCORE Podcast to discuss what CreditGauge reveals about Americans’ current credit health. Susan is VantageScore’s EVP and Chief Digital Officer. In addition to spearheading the mont...
Are Consumers Confident in 2024?

Are Consumers Confident in 2024?

January 29, 2024
Recent news headlines indicate that consumers shopped big this past holiday season, and retail numbers, on the surface, appeared to be up. But given notable economic pressures like record-high inflation, how much of that was just paying ‘more’ for ‘less’? And how can consumers make sure they’re getting the best possible deal when using credit? This week’s guest on The SCORE is Matt Schulz, Chief Credit Analyst at Lending Tree, America’s largest marketplace for loans. Matt joins Th...
Who Makes the Credit Invisible ‘Visible’?

Who Makes the Credit Invisible ‘Visible’?

January 8, 2024
In 2023, consumers balanced various financial challenges: the lingering effects of record inflation, rising credit card balances, and student loan payment resumption, among others, leaving many to explore financial products that help make changing personal budgets more manageable. In the same year, credit unions stepped in to fill gaps created by larger financial institutions and provide additional options for consumers currently excluded from the lending marketplace. This week on...
Are Fintechs Driving the Reporting of Rent Payments?

Are Fintechs Driving the Reporting of Rent Payments?

December 13, 2023
As many outlets are currently reporting, in many parts of the United States, renting is now far cheaper than buying property. Various economic factors like interest rate hikes and rising costs have created a housing system in which many Americans are renting. But does being excluded from homeownership preclude renters from using those payments to build and improve credit scores? This week on The SCORE, we’re joined by Kristian Lund from Self Financial. Self is a credit-building platform wor...
What can $340 billion buy?

What can $340 billion buy?

November 28, 2023
$340 billion. That figure was the commitment offered by corporations looking to help address historical injustices in American society and help close the racial wealth gap in the wake of the death of George Floyd. This week, Donovan Duncan joins The SCORE to explore where corporations and communities currently stand with regard to making good on that commitment. Mr. Duncan is Executive Vice President at Urban Strategies, Inc., a national non-profit leader in the field of community deve...
How Can Financial Inclusion Be Measured?

How Can Financial Inclusion Be Measured?

November 6, 2023
The U.S. economy is, in many ways, the envy of the world, and millions migrate annually to this country to participate and live out the ‘American Dream.’ However, inequitable access to the financial tools that preclude milestone moments, like purchasing a home, can become barriers to the ‘credit invisible’ or those otherwise unaccounted for in the financial services marketplace. So, how can fintech leaders help broaden the tent, and what role does competition play in keeping the doors o...
The Surprising Correlation between Financial Planning and Well-being

The Surprising Correlation between Financial Planning and Well-being

October 10, 2023
Do health and wealth go hand in hand? Financial issues are commonly considered one of the primary sources of stress for many people and money is a well-documented reason for divorce, for instance. But is there a real link between the two? And do your current money habits spell trouble for your long-term health? To help answer these questions, Dr. Sean Hundtofte joins The SCORE to explore the correlation between financial planning and wellbeing. Dr. Hundtofte has dedicated most of...
Navigating Your Federal Student Loan Repayment Plan

Navigating Your Federal Student Loan Repayment Plan

September 25, 2023
This fall, an estimated 44 million borrowers will stretch their personal budgets once again, adding yet another item to their bottom line – a federal student loan payment. If you don’t know where to start your repayment journey, you’re not alone. Dan Currell, CEO of the Digital Commerce Alliance and Former Deputy Under Secretary and Senior Advisor at the U.S. Department of Education, joins THE SCORE to help borrowers figure out where to start. VantageScore partnered with Dan to cr...
Checking in on the Credit Builders Alliance/VantageScore Financial Inclusion Pilot Program

Checking in on the Credit Builders Alliance/VantageScore Financial Inclusion Pilot Program

September 11, 2023
A year ago, VantageScore funded a pilot program in partnership with the Credit Builders Alliance aimed at using data and analytics to extend credit counseling and credit scoring information to areas of the United States with large concentrations of lower income consumers. Interested in the results? The latest episode of THE SCORE podcast features Dara Duguay, CEO of Credit Builders Alliance and Joe Lauchlan, a Financial Coach with the International Institute of Metropolitan Detroit. During th...
BROADENING ACCESS TO HOMEOWNERSHIP: VantageScore 4.0 implementation for GSE-funded mortgages and the balance between expanding financial inclusion and risk management

BROADENING ACCESS TO HOMEOWNERSHIP: VantageScore 4.0 implementation for GSE-funded mortgages and the balance between expanding financial inclusion and risk management

August 18, 2023
Is there a tradeoff between expanding the pool of potential mortgage eligible consumers and sacrificing risk management? The Federal Housing Finance Agency (FHFA), which regulates Fannie Mae and Freddie Mac, has mandated use of VantageScore 4.0 with a 3-year roadmap for implementation. Meanwhile, millions of creditworthy consumers are on the outside of the American Dream of homeownership, looking in. On this week’s episode of The SCORE, we hear from Tony Hutchinson, Senior Vice ...
Are Consumers Helped or Hurt by 'Credit Repair' Agencies?

Are Consumers Helped or Hurt by 'Credit Repair' Agencies?

August 14, 2023
We’ve all seen ads beckoning consumers to ‘FIX YOUR CREDIT’! But – is this possible, and perhaps more importantly – are consumers helped or hurt by ‘credit repair’ agencies? On this week’s episode of The SCORE, hear from Dan Smith, President and CEO of the Consumer Data Industry Association (CDIA). Beyond leading the CDIA, Dan Smith has over 20 years of experience navigating the complex consumer credit ecosystem. Dan joins THE SCORE to walk through the challenges faced by underbanked A...
Credit Score Migration: What Lenders Need to Know

Credit Score Migration: What Lenders Need to Know

July 31, 2023
It's maybe the least understood aspect of credit scoring: a 700 score today will represent a totally different risk during the next credit cycle. And as macro-economic issues change, so does the risk that any score represents. During the pandemic, consumer credit health was positively impacted by various factors such as government stimulus payments, suspended student loan obligations, and resulted in increased personal savings rates. As a result, and logically, scores rose. The econo...
How is VantageScore providing lenders with transparency in a digital world?

How is VantageScore providing lenders with transparency in a digital world?

July 17, 2023
Atif Mirza, Vice President of Digital at VantageScore joins The SCORE to discuss the post-pandemic shift to digital in the financial services sector and the tools VantageScore offers lenders – namely CreditGauge, Inclusion360, and RiskRatio – that help expand the lendable pool in a way that positively impacts financial outcomes in underserved populations. Atif explains how lenders and other market participants leverage new tools and insights that help market participants understand what’s hap...
How do fintech companies balance innovation with the need to preserve competition and to expand financial inclusion?

How do fintech companies balance innovation with the need to preserve competition and to expand financial inclusion?

June 29, 2023
What does the future of fintech actually look like? How do companies balance innovation with the need to preserve competition and to expand financial inclusion? Phil Goldfeder is the Chief Executive Officer at the American Fintech Council, a leading association representing responsible fintech companies creating critical access to safe and affordable financial services. Phil recently spoke with THE SCORE’s host Jeff Richardson to help map out the future of the fintech landscape and gi...
How Will the End of the Federal Student Loan Forbearance Period Affect Consumers?

How Will the End of the Federal Student Loan Forbearance Period Affect Consumers?

June 20, 2023
Over the course of the next few months, the resumption of student loan payments is likely to change household budgets for over 40 million Americans – one of the most significant changes to their personal finances and since the start of the pandemic. Data scientists Dr. Andrada I. Pacheco and Ritika Sinha recently joined THE SCORE to discuss VantageScore’s perspectives and insights on how consumer behavior (and by extension, consumer credit scores) might shift in response to the end of t...
The Financial Habits of Millennials and Gen Z

The Financial Habits of Millennials and Gen Z

June 5, 2023
Millennials and Gen Z have very specific financial habits. What drives these habits and how can lenders better serve the younger population? Kyle Woodley is the Editor-In-Chief of Young and the Invested, an online publication for young people who want to learn how to plan, manage, and invest their money with confidence. Kyle recently spoke with THE SCORE and helped decipher Millennials and Gen Z’s money motives. How do lenders better attract and communicate with these generati...
"Fairness as a Service": The Role of AI in Supporting Fair Lending Practices

"Fairness as a Service": The Role of AI in Supporting Fair Lending Practices

May 22, 2023
Kareem Saleh, founder and CEO of FairPlayAI, has been working on financial inclusion and underwriting hard-to-score borrowers his entire career. He recently spoke with THE SCORE about the role artificial intelligence can play in supporting fair lending and how greater focus on fairness can actually drive revenue.
How "LINKED" is Consumer Financial Health and Overall Wellness? ANSWER: They are inextricably tied.

How "LINKED" is Consumer Financial Health and Overall Wellness? ANSWER: They are inextricably tied.

April 24, 2023
Hear from Dr. Lisa Loury Lomas, Eastern Area Director, joined The Links, Incorporated about how the organization is addressing key challenges facing our underserved communities and how friendship and service can actually serve as a catalyst for change. THE SCORE spoke with Dr. Lomas, a renowned psychologist about The Links, Incorporated’s history and upcoming conference where everything from discussions about money matters, and hunger and even a visit from DJ Jazzy Jeff will occur.
Consumer Credit Health Remains Relatively Stable. So Why Are Lenders Pulling Back?

Consumer Credit Health Remains Relatively Stable. So Why Are Lenders Pulling Back?

April 5, 2023
Hear from Susan Fahy, Executive Vice President and Chief Digital Officer at VantageScore about how consumers and lenders are responding to the current economic environment. Susan spoke with THE SCORE podcast about what CreditGauge powered by VantageScore™ is telling us about how consumer credit health is impacted by current economic pressures and how stakeholders can use the tool to instantly get access to a comprehensive database of consumer credit trends.
While the banking industry becomes increasingly volatile, how do the digital commerce and fintech industries maintain momentum?

While the banking industry becomes increasingly volatile, how do the digital commerce and fintech industries maintain momentum?

March 21, 2023
Hear from Dan Currell, CEO of the Digital Commerce Alliance, the premier, multi-industry trade association advancing the future of commerce through collaboration, education and standards in card-linking, mobile wallets and financial data. Dan joins THE SCORE to discuss the current challenges faced by the banking sector, AI’s promise, and how banks can avoid becoming disintermediated through fintech partnerships.
Is ChatGPT going to be making consumer loan decisions any time soon?

Is ChatGPT going to be making consumer loan decisions any time soon?

February 16, 2023
This question and other current fintech trends are discussed on the latest episode of THE SCORE Podcast. Hear from Mary Wisniewski, editor-at-large and director of content at Cornerstone Advisors. A journalist that’s been covering fintech for over a decade, Mary shares her insights into what types of fintechs are getting the most VC attention and where to find fintech talent.
Is inflation and the rising cost of living causing consumers to miss payments?

Is inflation and the rising cost of living causing consumers to miss payments?

February 8, 2023
Hear from Susan Fahy, Executive Vice President and Chief Digital Officer at VantageScore about the latest in how consumers are handling their credit accounts. Susan spoke with THE SCORE about what CreditGauge powered by VantageScore™ is telling us about the economy and how stakeholders can use the tool to instantly get access to a comprehensive database of consumer credit trends.
What are the three most important issues facing the mortgage market?

What are the three most important issues facing the mortgage market?

January 30, 2023
Hear from Chrissi Johnson, founder and CEO of Alinement Advisors, a New York-based advisory firm that coordinates housing policy efforts at the intersection of commerce and social change. Chrissi spoke with THE SCORE about how she’s developing “salons” to collaborate and solve the mortgage industry’s most urgent challenges.
Interested in learning about a bank with no maintenance fees? Us too!

Interested in learning about a bank with no maintenance fees? Us too!

January 13, 2023
Hear from Corey Carlisle, Head of Public Policy and Social Impact at Varo Bank. Corey spoke with THE SCORE about how Varo Bank structures its products and services to underserved consumers and how as a “tech-first” he works to tell the Varo story to policy makers.
Is alternative data really a game changer for credit scores?

Is alternative data really a game changer for credit scores?

December 13, 2022
Is alternative data really a game changer for credit scores? The answer…is yes. Hear from Jung Choi, Senior Research Associate at the Urban Institute about research that uncovers the impact that including rent data in credit scores has for underserved borrowers. Jung spoke to THE SCORE podcast about her research and how including VantageScore in mortgage applications will help solve for an increasingly growing racial homeownership gap. Follow us on social media! linkedin.com/company/vantages...
Are consumers going to spend as they did last year this holiday season?

Are consumers going to spend as they did last year this holiday season?

November 28, 2022
What’s “in store” for the holiday shopping season and are consumers starting to demonstrate riskier credit behaviors? THE SCORE podcast caught up with Tom Aliff, who leads the Risk Consulting and Advisory practice for Equifax’s US division. Tom shared insights on how consumers are spending so far this holiday shopping season and how lenders can track credit risk while the economy is showing some mixed signals. Plus, some fresh credit insights from CreditGauge Powered by VantageScore™! Follow...
CEO’s Perspective: What’s in the pipeline for VantageScore?

CEO’s Perspective: What’s in the pipeline for VantageScore?

November 2, 2022
Hear from Silvio Tavares, President & CEO of VantageScore about why the company has dramatically improved its digital engagement and how data innovation will drive future growth in the adoption of VantageScore credit scores. Silvio shared with THE SCORE how recent tools and data resources like RiskRatio and CreditGauge – Powered by VantageScore™ will help lenders, capital markets and other stakeholders track the latest in consumer credit health trends in an increasingly uncertain economy....
What does a collaborative financial inclusion strategy look like?

What does a collaborative financial inclusion strategy look like?

October 12, 2022
Hear from Kate Griffin, Project Director for Building Inclusive Financial Systems at the ASPEN Institute, which is a powerhouse educational and policy studies organization based in Washington, DC. Kate joined THE SCORE to discuss the potential launch of a proposed National Financial Inclusion Commission in the U.S. to create a national financial inclusion strategy. But who should lead that effort and what organizations should be involved? Follow us on social media! linkedin.com/...
Why is there still a large population of underbanked in U.S.?

Why is there still a large population of underbanked in U.S.?

September 15, 2022
Hear from Joseph Akintolayo, a serial entrepreneur, strategist, and technologist based in Dallas, Texas. He is CEO and founder of Deposits. Joseph spoke to THE SCORE about how he helps financial institutions make services more accessible to underserved populations including those that have been formerly incarcerated. Follow us on social media! linkedin.com/company/vantagescore twitter.com/vantagescore fb.com/vantagescore instagram.com/vantagescore youtube.com/vantagescore
How many consumers lack credit scores in your neck of the woods?

How many consumers lack credit scores in your neck of the woods?

September 8, 2022
Hear from Susan Fahy, Executive Vice President and Chief Digital Officer at VantageScore, about her role at VantageScore and the recently released digital Inclusion360™ tool! Susan shared with THE SCORE how the tool allows stakeholders to examine regions in the United States and seamlessly and interactively download information that sheds light on how many more creditworthy consumers reside in communities across America. Follow us on social media! linkedin.com/company/vantagescore twitter.co...
What do bank executives think about the Federal Reserve’s reaction to inflation?

What do bank executives think about the Federal Reserve’s reaction to inflation?

August 19, 2022
Are banking industry news outlets in trouble because they can’t compete with, well…us? Hear from Rob Blackwell, Chief Content Officer & Head of External Affairs at IntraFi Network. Rob is also host of the “Banking with Interest” podcast and formerly was editor-in-chief of American Banker, the banking industry’s most prominent media outlet. During the conversation, Rob explains why, despite all the great content that brands are creating, we still need American Banker and its competitors. H...
Could an economic downturn impact woman and immigrant-owned start ups worse than the rest of the population?

Could an economic downturn impact woman and immigrant-owned start ups worse than the rest of the population?

August 11, 2022
Hear from Mike Davis, founding partner of Olive Tree Ridge. Mike spoke to THE SCORE about how his firm exclusively funds women and immigrant-owned businesses and his fondness for the movie “My Cousin Vinny!” Follow us on social media! linkedin.com/company/vantagescore twitter.com/vantagescore fb.com/vantagescore instagram.com/vantagescore youtube.com/vantagescore
Will a recession contribute to the widening racial gap in homeownership?

Will a recession contribute to the widening racial gap in homeownership?

August 5, 2022
THE SCORE landed an interview with one of the most prolific speakers that mortgage industry has! Hear from Faith Swartz, President of Housing Finance Strategies and founder of the #housingDC22 conference. Faith spoke to THE SCORE podcast about whether a downturn in the economy could impact the important spotlight that currently shines on housing equality. Follow us on social media! linkedin.com/company/vantagescore twitter.com/vantagescore fb.com/vantagescore instagram.com/vantagescore youtu...
Is There a Looming Mortgage Foreclosure Crisis?

Is There a Looming Mortgage Foreclosure Crisis?

July 28, 2022
ARE WE HEADED FOR ANOTHER MORTGAGE DEFAULT CRISIS? For the most part consumer credit is healthy, but will a Recession hit the mortgage industry harder? Here from Rick Sharga, Executive Vice President Market Intelligence at ATTOM as he breaks down the latest in mortgage foreclosure trends. Follow us on social media! linkedin.com/company/vantagescore twitter.com/vantagescore fb.com/vantagescore instagram.com/vantagescore youtube.com/vantagescore
Cell phone payments in your VantageScore® credit score?

Cell phone payments in your VantageScore® credit score?

July 13, 2022
Hear from Steve Ely, CEO of eCredible about how their services help consumers AND small business owners tap into their cell phone and other utility payments to help get access to loans. Steve spoke to THE SCORE podcast about how using permissioned data that isn’t normally reported to the credit bureaus is likely to be part of loan underwriting in the future. Follow us on social media! linkedin.com/company/vantagescore twitter.com/vantagescore fb.com/vantagescore instagram.com/vantagescore yo...
Student loan debt is in crisis but what can we learn from this FINTECH?

Student loan debt is in crisis but what can we learn from this FINTECH?

June 29, 2022
You might be surprised to learn that among all the fintechs out there solving for so many unique problems that it’s a student loan provider that American Banker named best fintech to work for. According to the Education Data Initiative, the average public university student borrows about $30,000 to obtain a bachelor’s degree. Meanwhile, those who attend private universities borrow around $44,000 on average. Debt loads are also disproportionately impacting minority students. MPOWER is ai...
Credit scores are everywhere so how can consumers make sense of it?

Credit scores are everywhere so how can consumers make sense of it?

June 23, 2022
It’s a question we get all the time: Why do I have so many different credit scores and which one do lenders use? We posed this question and more to Liz Weston, award-winning personal finance columnist at Nerdwallet, speaker, commentator and author of “Your Credit Score,” which is in its fifth edition! Follow us on social media! linkedin.com/company/vantagescore twitter.com/vantagescore fb.com/vantagescore instagram.com/vantagescore youtube.com/vantagescore
Get Rewards for Paying Your Rent

Get Rewards for Paying Your Rent

June 8, 2022
For tens of millions of consumers, the monthly rent is the largest monthly debt obligation, but (1) you don’t get rewards for paying it like you do for credit cards, and (2) it doesn’t help your credit score. Bilt is changing all that. Dan Seder, chief operating officer of Bilt Rewards spoke to THE SCORE about his start-up. Follow us on social media! linkedin.com/company/vantagescore twitter.com/vantagescore fb.com/vantagescore instagram.com/vantagescore youtube.com/vantagescore
Crypto Meltdown: What’s the future of crypto lending?

Crypto Meltdown: What’s the future of crypto lending?

June 1, 2022
Hear from John Sun, CEO & Founder of Spring Labs, which creates and oversees anonymous, decentralized data networks that vastly increase the amount, quality, and security of information available to market participants. John spoke to THE SCORE podcast about how loan transactions are occurring in the crypto market and on the blockchain…and that “know your customer” rules and credit scores will be an important factor in the future. Follow us on social media! linkedin.com/company/vantagesco...
Scoring the Underbanked and Bridging the Racial Wealth Gap

Scoring the Underbanked and Bridging the Racial Wealth Gap

May 4, 2022
Over 63 million Americans are unbanked or underbanked. With fees and interest rates, it's expensive to be one of these consumers. MoCaFi, a popular fintech company, is on a mission to bridge the wealth gap with their innovative solutions and products. Today we meet with their Founder and CEO Wole Coaxum to understand the lay of the land and what they are up to. Follow us on social media! linkedin.com/company/vantagescore twitter.com/vantagescore fb.com/vantagescore instagram.com/vantag...
Bringing BNPL Data to the Bureaus

Bringing BNPL Data to the Bureaus

April 27, 2022
How are the credit reporting bureaus integrating BNPL financial data and using it? Find out in this episode with Liz Pagel, Senior Vice President, Consumer Lending Business Leader at TransUnion Follow us on social media! youtube.com/vantagescore fb.com/vantagescore twitter.com/vantagescore vantagescore.com/linkedin instagram.com/vantagescore
How Are Consumers Handling Their Debts Post-COVID?

How Are Consumers Handling Their Debts Post-COVID?

April 14, 2022
Millions of people have been financially impacted by COVID-19 around the world. How has the pandemic impacted the way American consumers are managing their debts? Find out in this episode with Emre Sahingur, SVP for Predictive Analytics, Research and Product Management at VantageScore Solutions. Follow us on social media! youtube.com/vantagescore fb.com/vantagescore twitter.com/vantagescore vantagescore.com/linkedin instagram.com/vantagescore
Is Bank Data Coming to Credit Scores?

Is Bank Data Coming to Credit Scores?

April 6, 2022
What's the difference between traditional underwriting and cashflow underwriting? Get an inside look with expert Kelly Cochran, Deputy Director at FinRegLab. Today we discuss what cashflow underwriting is and the benefits and risks of using this data in credit scoring. Follow us on social media! youtube.com/vantagescore fb.com/vantagescore twitter.com/vantagescore vantagescore.com/linkedin instagram.com/vantagescore
By Now Pay Later: What’s in it for Consumers?

By Now Pay Later: What’s in it for Consumers?

March 1, 2022
In this episode, we sit down with Gary Stein, Chief Product & Compliance Officer at Opy to discuss what's fueling BNPL - this new category's growth, whether the data will be reported to the credit bureaus and what led this former regulator back to the private sector. Follow us on social media! youtube.com/vantagescore fb.com/vantagescore twitter.com/vantagescore vantagescore.com/linkedin instagram.com/vantagescore

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