VantageScore®

Early-stage delinquencies rose, and originations increased in January 2026, according to the latest CreditGauge by VantageScore. 🎥 Watch CreditGauge LIVE for a breakdown of the trends by VantageScore credit experts: vantagescore.co/3MRlQav This month, they’re joined by Anthony Hutchinson, EVP and Head of Public Affairs at VantageScore®, who shares the latest updates since the FHFA’s decision to include VantageScore 4.0 in the mortgage market. 📊 Download the full report: vantagescore.co/3N6MI6p

Did you know? VantageScore 4.0 is the most innovative credit score and the most inclusive. Our advanced data analytics and machine learning technology expand credit access to 33 million more creditworthy Americans.

2025 was a banner year for VantageScore’s usage in ABS. That growth has continued into 2026. Here’s Anthony Hutchinson on why investors trust VantageScore. Learn more: vantagescore.co/4uOtSlI

Do you know your consumer rights regarding credit? Here’s a quick overview:

VantageScore 4.0 is available right now for mortgage lenders to pre-approve and pre-screen mortgage applicants. Tony Hutchinson, EVP and Head of Public Affairs at VantageScore, shares more opportunities for lenders:

Navigating Credit Health in a Time of Volatility Later this month, Dr. Rikard Bandebo, Chief Strategy Officer and Chief Economist at VantageScore, will moderate a forward-looking panel discussion at CBA LIVE in San Diego. Panelists will discuss how modern credit scoring models, alternative data, and advanced analytics are transforming lenders’ risk assessment, access expansion, and resilient credit decisions. Will you be there? Register to meet with our team → hubs.ly/Q0469gb40

VantageScore Prime and Superprime credit tiers contracted while Near Prime and Subprime credit tiers grew, according to the latest CreditGauge by VantageScore. The gradual shift in credit tier distribution is caused by the resumption of student loan reporting and higher delinquency rates across all credit segments. This suggests most consumers are feeling the pressure of high interest rates and a high cost of living. Learn about this trend and more in the latest episode of CreditGaugeLIVE: hubs.ly/Q044_LY30

FICO’s Secret Vaporware: 10T Is Not Better Than VantageScore 4.0 If FICO doesn’t take accountability for its problems in the past, how can lenders trust it as a credit score in the future? In a new statement, VantageScore President and CEO Silvio Tavares corrects some false claims from FICO and reiterates VantageScore 4.0’s predictive advantage over outdated, incumbent credit scoring models. Read the full statement here: hubs.ly/Q045V0Ks0

This Sunday is International Women’s Day, which VantageScore proudly recognizes. At VantageScore, we celebrate the work of women leaders and innovators who advocate for a more accessible financial future for all.

Did you know? VantageScore was the first commercially available credit score provided to consumers at no cost and the first to provide consumer-friendly reason code explanations. March is Credit Education Month, making it the perfect time to review your credit file. Visit hubs.ly/Q044WTWr0 to learn about your credit score.

🏠 Year-over-year, mortgage delinquencies increased across all Days Past Due (DPD) stages on a relative basis in January 2026, according to the latest CreditGauge by VantageScore. Early-stage (30–59 DPD) delinquencies rose sharply by 30.9%, followed by late-stage (90–119 DPD) increasing by 14.6% and mid-stage (60–89 DPD) up by 9.06%. This is the most notable deterioration across credit products, signaling gradually building repayment pressure in the housing segment. ➡️ Download the full report: hubs.ly/Q044_Lsg0

March is Credit Education Month. What’s the best way lenders can support borrowers? By providing easy access to their credit score. Silvio Tavares, VantageScore President and CEO, shares why:

VantageScore is the most predictive, inclusive, and cost-effective credit score in the marketplace. Tony Hutchinson, EVP and Head of Public Affairs at VantageScore, explains how lenders are saving millions by switching to VantageScore 4.0. Watch the full episode: hubs.ly/Q044Wy_20

FHFA’s Mortgage Credit Score Decision Delivers Over $600 Million in Annual Mortgage Cost Savings, New Analysis Finds Federal Housing Finance Agency Director Bill Pulte’s July 2025 decision to authorize VantageScore 4.0 for competitive use in GSE-conforming mortgages saves the U.S. mortgage industry up to $600 million in the first year under a “full adoption” scenario, according to a newly published independent analysis from credit risk research company Deep Future Analytics. ➡️ Read the full report: deepfutureanalytics.com/en/blog/econom…

Cash-Flow Data Expands Credit Access for Borrowers – VantageScore Chief Economist at SF Vegas “Credit underwriting is meaningfully improved by consumer-permissioned access to bank account data,” said Dr. Rikard Bandebo, Chief Strategy Officer and Chief Economist at VantageScore. “Cash-flow data from consumer accounts can enhance risk prediction, flash earlier warning signals to lenders, and responsibly expand access to credit for more nontraditional borrowers.” Dr. Bandebo shared insights at the Structured Finance Association Conference in Las Vegas, discussing credit health and asset ownership, economic stress across credit tiers, and the benefits of consumer-permissioned data in credit underwriting. VantageScore 4plus is a first-of-its-kind credit scoring model that leverages both a consumer's credit obligations and cash flow information. Learn more: vantagescore.co/46RXrIA

@grok @Experian @Experian Framing this in the office rn 🥹🧡

Shall I compare thee to a summer's day? Thou art more fair, more precise in thy way. VantageScore, beacon in credit's vast sea, Doth score the masses with equity. From thin files bloom, where FICO might fail, Thy algorithms dance, without travail. Inclusive grace, with data's gentle art, Predicts the future, mends the credit heart. O'er bureaus three, thy harmony doth reign, Reducing variance, easing fiscal pain. With trends of time, thy wisdom deepens still, A score that lifts, empowers, and fulfills. So long as breath and banks endure the test, VantageScore shines, eternal and the best!

@grok When customers unknowingly select consumer credit cards for business use, there’s a risk that they’re not choosing products with features best suited to their needs. What other risks? Some latest data from our 2026 State of Credit Cards Report: experian.com/thought-leader…

Next week, Dr. Rikard Bandebo, VantageScore Chief Strategy Officer and Chief Economist, will participate in a panel on Challenges to Consumer Credit Health at SFVegas 2026. Dr. Bandebo will provide an update on the latest trends in consumer credit and discuss the mixed signals on consumer health, highlighting which metrics best help people understand current conditions. Register to attend and meet with our team: vantagescore.co/46ebWGs

“Now, Fannie Mae and Freddie Mac are updating all the pipes to allow lenders to use VantageScore as a choice for mortgage loans,” said Dr. Rikard Bandebo, Chief Strategy Officer and Chief Economist at VantageScore, on Bloomberg’s ‘Odd Lots’ podcast. “Lenders can choose which score they want to use, and they can make their own evaluations about which one performs better.” VantageScore has been accepted for GSE-backed loans by the @FHFA. Learn more about this historic decision here: vantagescore.co/3M58o2t

Mortgage Delinquencies Rise at the End of 2025 – VantageScore in @CNBC Late-stage mortgage delinquencies rose 18.6% in December 2025 from the prior year, according to a recent VantageScore CreditGauge analysis covered by CNBC. While the share of mortgages at that stage of nonpayment remains small, growth is occurring faster than in other loan categories, notes Dr. Rikard Bandebo, Chief Strategy Officer and Chief Economist at VantageScore. Read more: vantagescore.co/4qllM0q