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 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.

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 Same

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 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 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.

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 High

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 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 Up

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 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 Declines

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 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 Elevated

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 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 Highs

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 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 Plateaus

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.