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 Tavares, President and CEO of VantageScore, shares what he told a packed room of issuers, investors, and ratings agencies minutes before joining CreditGauge LIVE.

In the full episode, Silvio covers:
▶ Why lenders using legacy scores risk missing consumer trends earlier than those using VantageScore
▶ How the largest lenders and investors have already made the switch
▶ What VantageScore’s ChatGPT integration and mortgage simulator signal about what’s next

Plus, VantageScore’s Atif Mirza breaks down the latest CreditGauge™ data for September 2026, including balance-to-loan ratios hitting a 12-month low and early-stage delinquencies ticking up slightly.

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.

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 Association and 30-year mortgage industry veteran, shares what he's hearing from lenders on the ground and why the affordability conversation has shifted away from rates.

In the full episode, Scott covers:
▶ Why the number one question lenders get isn't about interest rates, but taxes and insurance
▶ How rising costs have put some borrowers in homes they qualified for five years ago but would struggle to stay in today
▶ What lenders are asking about credit score competition

Plus, VantageScore's Atif Mirza breaks down the latest CreditGauge™ data for August 2026, including early-stage delinquencies holding steady at 1.02%, balances rising while utilization declines, and credit card originations leading growth heading into Q4.

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.

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 full episode, Andrada covers:
▶ Why VantageScore 4.0 uses 400% more data per score than legacy models
▶ Who the 24 million dormant consumers are and why lenders are lining up to reach them
▶ How cash flow data in VantageScore 4plus gives lenders both sides of a consumer's financial picture

Plus, VantageScore's Atif Mirza breaks down the latest CreditGauge™ data for July 2026, including early-stage delinquencies improving, credit card utilization decreasing, and personal loan originations increasing.

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.