VantageScore®

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Resilient Consumers Keep Spending This Season: VantageScore® Chief Digital Officer on the Schwab Network “Consumers are continuing to spend, as we have seen after Black Friday sales were up year-over-year,” said Susan McBreen Fahy, Chief Digital Officer at VantageScore, on the Schwab Network. “It remains to be seen in January if consumers have a credit hangover, and we are watching the lower-income consumer, who are the most stressed in the current environment.” Fahy joined Alex Coffey and Jenny Horne on the Schwab Network’s ‘Next Gen Investing’ program to discuss consumer credit health during the holiday shopping season. 📈 Dive into these trends and more: https://lnkd.in/eBFmSSSz

Fact Check: VantageScore® Is Used by Leading Banks and Financial Institutions Across Industries TRUE: Real-time usage of VantageScore credit scores rose 74% year-over-year for the first six months of 2025. VantageScore is the most widely-used credit score by the largest issuers of credit cards and auto loans in the U.S. FALSE: VantageScore is used only for personal loan originations and free credit checks. This is false. ❌ Let’s look at the facts: ✅ All top 10 banks use VantageScore credit scores or digital tools in one or more lines of business. ✅ In 2024, VantageScore saw a 166% yearly increase in mortgage originations. ✅ There were $13.4 billion in ABS issuances using VantageScore credit scores in 2024. Now you know the truth! #FactCheckFriday

VantageScore CreditGauge™ October 2025: Credit Delinquencies for Lower-Income Consumers Rise Modestly as Overall Credit Utilization Increases Entering Holiday Spending Season Since mid-2025, lower-income borrowers have led year-over-year increases in delinquencies 60+ Days Past Due (DPD), a trend that continued in October 2025, according to VantageScore®’s October 2025 CreditGauge. Originations in Credit Cards and Mortgages saw modest gains, while Personal and Auto Loans remained muted. Since mid-2025, lower-income households are seeing increased delinquency rates year-over-year compared to middle- and high-income groups. Overall credit balances have continued to increase throughout 2025, reaching five-year highs, while credit utilization rates have risen month-over-month since September 2025. Read the full October 2025 CreditGauge here: https://lnkd.in/eUgrii23

Fact Check: VantageScore 4.0 is the best-in-class credit scoring model for mortgages. TRUE: There has not been any analysis comparing VantageScore 4.0 and FICO 10T. FALSE: FICO 10T performs better than VantageScore 4.0 for mortgages. This is false! ❌ Let’s look at the facts: ✅ There have not been any published studies to date comparing the two models side-by-side for mortgages. ✅ FICO has prevented data on FICO 10T from being available for independent comparisons. ✅ FICO has enacted legal measures to prevent lenders and other independent organizations from conducting side-by-side analysis of its models versus VantageScore. Now you know the truth! #FactCheckFriday

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