This week on Commerce Code we speak with Jeff Richardson, Senior Vice President & Head of Marketing at VantageScore, and host of The Score podcast, a source for credit score related news and analysis. VantageScore's mission is to innovate to deliver more predictive, innovative and inclusive credit score models for the US market. Today we are talking about:

• The most recent VantageScore market adoption study, and what it tells us about the state of credit risk
• Lenders' attitudes towards 2024, as we come out of a bit of a rough year in 2023
• Innovations that are changing the market for consumer credit and credit analysis going forward