VantageScore’s August 2025 CreditGauge reflects that the financial stability that once seemed unshakeable among America’s most creditworthy borrowers now shows cracks, reported CBS News. Even the Superprime borrowers with VantageScore credit scores between 781 and 850 are experiencing an uptick in delinquencies.
This category shows a staggering 300% spike in late-stage delinquencies - payments that are 90 to 119 Days Past Due. While these delinquency levels remain extremely low overall, the dramatic uptick signals that debt repayment pressures have spread far beyond traditionally vulnerable borrower segments.
This unprecedented shift comes as credit card balances sit at an average of $6,500, per VantageScore’s data, and as credit utilization rates hover near 31%, both of which indicate heightened reliance on revolving credit.
Credit card debt isn’t the only issue that’s compounding. Per the latest CreditGauge, unsecured loan originations are also outpacing secured lending as borrowers scramble for liquidity through refinancing. In other words, it’s clear that many households, including those once considered nearly immune to this type of economic pressure, are struggling to stay on track with their finances.
For the latest VantageScore CreditGauge insights, visit:
https://vantagescore.com/resources/knowledge-center/vantagescore-superprime-and-subprime-credit-delinquencies-rise-august-2025-creditgauge.
Read VantageScore in CBS News:
https://www.cbsnews.com/news/even-creditworthy-borrowers-are-missing-debt-payments-how-to-avoid-that-now/
