CreditGauge LIVE

In the April 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 Matthew Komos, Founder and CEO at OGMA Risk and Analytics, who shares his research on VantageScore 4.0’s superior predictive performance.Read the research: https://vantagescore.com/resources/knowledge-center/press_releases/new-study-finds-mortgage-lenders-have-a-unique-opportunity-to-expand-home-ownership-to-more-first-time-buyers-and-reduce-costsInsights from the latest VantageScore CreditGauge™: ➡️ Credit Card Balances Fall➡️ Delinquencies Decline➡️ Unsecured Lending Drives Portfolio GrowthUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

In the March 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 Marcia Griffin, CEO and President at HomeFree-USA, who shares a look at consumers seeking homeownership.Insights from the latest VantageScore CreditGauge™: ➡️ Average VantageScore Credit Score Increases➡️ Lending Increases Year-Over-Year➡️ Early-Stage Delinquencies Return to Pre-Pandemic LevelsUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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-MonthFor more on how FICO Classic maps to VantageScore 4.0, visit: https://vantagescore.co/4b74sqtUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

The most comprehensive and timely look at U.S. consumer credit health.Updated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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 IncreaseUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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 SameUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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 IncreaseUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

In the October 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. Andrada Pacheco, EVP and Chief Data Scientist at VantageScore, who shares the latest data analysis comparing VantageScore 4.0 to FICO Classic for mortgages.Insights from the September 2025 VantageScore CreditGauge™: ➡️ New Consumer Credit Activity Slows➡️ Mortgage Credit Delinquencies Rise➡️ Early-Stage Delinquencies at Year-to-Date HighUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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 UpUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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 DeclinesUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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 ElevatedUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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 HighsUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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 PlateausUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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 ProductsUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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 SharplyUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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 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 HigherUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

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-YearUpdated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health. Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.