VantageScore®

📈 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 joined by Dr. Andrada Pacheco, Ph.D., EVP and…

Delinquencies on the Rise as Borrowers Stay Under Pressure: VantageScore in National Mortgage News "This signals that payment pressure is building in the mortgage space," said Atif Mirza, Senior Vice President and Head of Credit Insights at VantageScore, on VantageScore’s…

New Analysis Finds Millions of Renters Become Mortgage-Eligible When On-Time Rent Payments Are Included in VantageScore 4.0 Credit Score Millions of American adult renters could become eligible for a mortgage by incorporating on-time rental payments into their credit reports,…

Overall credit delinquencies edged higher in September, with 30-59 Days Past Due delinquencies rising to 1.13%, up slightly from 1.02% in August, according to the latest VantageScore CreditGauge™. These early-stage delinquencies are approaching the pre-pandemic threshold of…

🏠 Mortgage credit delinquencies increased month-over-month and year-over-year across all stages of delinquency in September 2025, according to the latest VantageScore CreditGauge™. The rise was most pronounced in late-stage (90-119 Days Past Due) accounts, reaching the highest…

US Auto Delinquencies Have Jumped 50% From 2010: VantageScore Chief Economist in Bloomberg “We’re seeing the cost of cars and the cost related to car ownership increase enormously. In the past five years, it has increased even faster,” said Dr. Rikard Bandebo, Chief Strategy…

Our team enjoyed connecting with industry leaders at the Mortgage Bankers Association Annual Conference in Las Vegas this week! If you couldn’t attend, let’s connect! To learn about VantageScore 4.0 and how it stands out as the modern, tri-bureau credit scoring model designed…

VantageScore Adoption Surges: Lenders Flock to Superior Predictive Capabilities Powered by Trended, Alternative Data For the first six months of 2025, online usage of VantageScore mortgage scores rose 74% year-over-year, according to Charles River Associates, the third-party…

Fact Check: VantageScore 4.0 is Consistently Proven to Outperform FICO Classic for Mortgage Predictability TRUE: VantageScore 4.0 identifies more high-risk borrowers and ranks risk more efficiently than FICO Classic, no matter the statistical methodology used to evaluate…

Next week, meet with VantageScore leaders at the Mortgage Bankers Association Annual Conference. As the industry promotes innovation and advances fair lending, VantageScore 4.0 stands out as the modern, tri-bureau credit scoring model designed for today’s mortgage market. With…

Tomorrow, hear from Anthony Hutchinson, VantageScore EVP and Head of Public Affairs, on the latest Market Pulse webinar from @Equifax. He will join with other industry leaders to discuss the future of the mortgage industry and how your business can stay ahead of the latest…

Auto Loan Delinquency Rates Are the Highest of Any Product: VantageScore on Marketplace Radio “Auto loan delinquencies are trending up, and if you compare them to other products like credit cards, mortgages, and personal loans, you see that they have the highest delinquency…

VantageScore 4.0 Is Better for Mortgages No Matter What Data You Choose. AEI’s Analysis is Flawed and Conflicted: VantageScore in National Mortgage News “The truth is straightforward: the VantageScore 4.0 credit score outperforms the outdated FICO Classic credit score for…

Fact Check: FICO Classic, the Only FICO Score Accepted by GSEs, Does Not Include Rent and Telecom Data TRUE: VantageScore 4.0 is the only credit score accepted by Fannie Mae and Freddie Mac that incorporates the use of trended and alternative data, like rental and utility…

Auto Loan Delinquencies Show Prime Credit Tier Challenges: VantageScore Chief Economist on Yahoo Finance “Subprime auto loans reduced in risk: we saw fewer auto loan delinquencies from Subprime borrowers. At the same time, we saw the amount of delinquencies coming from Nearprime…

Meet with VantageScore leaders at the Mortgage Bankers Association Annual Conference later this month. As the industry promotes innovation and advances fair lending, VantageScore 4.0 stands out as the modern, tri-bureau credit scoring model designed for today’s mortgage market.…

Have you wondered how your VantageScore credit score is calculated? 🤔 Let’s break down the components of your score to understand where the final number comes from.

Fact Check: After the 2008 Financial Crisis, the Mortgage Market Addressed Critical Flaws to Prevent a Recurrence TRUE: VantageScore 4.0 has been found to perform significantly better than FICO Classic in economic downturns by multiple independent studies. FALSE: FICO claims to…

According to the latest VantageScore CreditGauge findings, unsecured loan originations rose across key products in August 2025, led by 💸 Personal Loans (+0.45%) and 💳 Credit Cards (+0.39%). Unsecured credit originations rose faster than secured ones, reflecting increased…