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

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.