ABOUT THIS PODCAST 🔗
CreditGauge LIVE is VantageScore's monthly podcast on U.S. consumer credit health.
By bringing together data, expert analysis, and industry leaders, our insights help lenders, credit professionals, and financial services executives stay ahead of developments in the credit market.
Each month, VantageScore analysts Jeff Richardson, Susan Fahy, and Atif Mirza break down the latest CreditGauge™ data: delinquencies, originations, credit score movements, and the broader consumer credit outlook.
We also sit down with leading voices in lending, from CEOs and researchers to policymakers and advocates, to explore what the data means and what lenders should do about it.
New episodes drop monthly. Download the full CreditGauge™ analysis at vantagescore.com.
Update frequency:
monthly
Average audio length:
10 minutes
Guest interviews
Video podcast
English
United States
23 episodes
since Jan. 27, 2025
episodic
LATEST EPISODE 🔗
Consumer balances are steady, leverage is at a 12-month low, and the American consumer remains credit-healthy heading into the holiday season. But the two-year trend shows a gradual drift from prime into lower credit tiers worth watching.In this episode, recorded live from ABS East in Miami, Silvio…
SEARCH PAST EPISODES
Search past episodes of CreditGauge LIVE.
PREVIOUS EPISODES 🔗
Consumer resilience is holding in August: early-stage delinquencies unchanged year-over-year, balances growing but leverage declining, and credit card originations posting their largest month-over-month increase of any product.
In this episode, Scott Norman, CEO of the Texas Mortgage Bankers Associ…
VantageScore 4.0 scores 33 million consumers that legacy credit scoring models ignore. In this episode, Dr. Andrada Pacheco, EVP and Chief Data Scientist at VantageScore, breaks down who those consumers are, why they are not a riskier population, and what lenders need to do to reach them.In the ful…
Consumer credit looks resilient on the surface. But beneath the surface, a divided economy is taking shape, and where you sit in it largely depends on whether you own a home.In this episode, Dr. Selma Hepp, Chief Economist at Cotality, shares her outlook on consumer credit conditions and what the d…
Consumer sentiment is down, but the credit data tells a different story. Delinquencies improved across all VantageScore credit tiers in May, and originations rebounded, led by personal loans, which hit a nine-month high.
In this episode, David Battany, EVP of Capital Markets at Guild Mortgage, shar…
Fair lending isn't just a compliance obligation; in the age of AI, it's a model quality issue.
In this episode, Kareem Saleh, Founder and CEO of FairPlay AI, explores why the best-performing lenders are optimizing for fairness, predictive accuracy, and explainability together, not as sepa…
Debt service burdens are rising across multiple asset classes, and many lenders still aren't filling the data gaps that would help them see it coming.
In this episode, Matt Komos, Founder and CEO of OGMA Risk and Analytics, shares research on VantageScore 4.0's performance in mortgage pre…
Hundreds of thousands of consumers want to buy homes but aren't quite mortgage-ready. Marcia Griffin has spent her career working with that 95%.
In this episode, Marcia Griffin, Founder and CEO of HomeFree-USA, shares what she's hearing from consumers on the ground and what lenders need t…
Early-stage delinquencies rose across all credit tiers in January, more consumers are migrating into subprime and near-prime, and mortgage originations are ticking up. For lenders, the question is how to capture the opportunity that VantageScore 4.0 is now unlocking.
In this episode, Tony Hutchinso…
Every month, the consumer credit landscape shifts — delinquency trends move, originations rise or fall, and the economic pressures on borrowers evolve. CreditGauge LIVE is where lenders and credit professionals come to understand what the data actually means.
Hosted by VantageScore's Jeff Rich…
Disclaimer: The podcast and artwork embedded on this page are from VantageScore, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.
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