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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.
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Contact path
Verified email
Booking probability
30%
Guest openness
Selective
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Signup to Generate a PitchCreditGauge 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.
CreditGauge LIVE is hosted by VantageScore. The show has published 23 episodes to date.
Recent episodes include "Affordability, Competition, and the Housing Market, with Scott Norman of the Texas MBA" (23 September 2026, 9 minutes), "The 33 Million Consumers Legacy Scores Ignore, with Dr. Andrada Pacheco of VantageScore" (25 August 2026, 11 minutes), and "The Divided Consumer Economy and What's Ahead, with Dr. Selma Hepp of Cotality" (29 July 2026, 11 minutes).
CreditGauge LIVE publishes roughly monthly, with episodes averaging 10 minutes across 23 episodes.
Booking probability for CreditGauge LIVE is 30%, and the host is rated Selective on guests. CreditGauge LIVE requires a Pod Score of 80 or higher. CreditGauge LIVE's contact route on record: verified email.
The strongest fits for CreditGauge LIVE are Payments & Loan Brokers. CreditGauge LIVE has a news audience.
VantageScore hosts CreditGauge LIVE, a news podcast with 23 episodes published.
Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.
Episode #9
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...
Episode #8
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...
Episode #7
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...
Episode #6
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...
Episode #5
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...
Episode #4
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...
Episode #3
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...
Episode #2
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...
CreditGauge LIVE
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...
Episode #1
The average VantageScore ended 2025 at 700, down two points for the year, and the subprime tier is growing while the prime tier contracts. But underneath the averages, a tale of two consumers is emerging that averages...
Episode #12
Late-stage delinquencies rose 30% year-over-year heading into the holidays, consumers are opening personal loans and credit cards to fund their shopping, and the K-shaped economy is showing up in credit union member...
Episode #11
Low-income consumer delinquencies rose 11% in October, the highest among income groups, marking a notable shift from earlier in the year, when mid- and higher-income households were leading delinquency increases. The...
Episode #10
For the first time ever, VantageScore had access to tens of millions of Fannie Mae and Freddie Mac loans spanning 10 years, enough to directly compare VantageScore 4.0 against classic FICO side by side. The results are...
Episode #9
Auto loans have gone from the least risky credit product post-recession to the riskiest today, and it's not a subprime story. VantageScore research tracing delinquency data back to 2010 points to something more...
Episode #8
Late-stage delinquencies are rising across all credit tiers, the average VantageScore dropped to 701, and more consumers are shifting into subprime. At the same time, leading institutions are rethinking how they make...
Episode #7
The FHFA just made history. For the first time, GSE-funded mortgages can be underwritten using a scoring model other than the classic FICO score. VantageScore 4.0 is now approved, and the mortgage market is working...
Episode #6
Mortgage delinquencies posted the largest year-over-year increase of any credit product, and superprime delinquencies tripled. Three forces are driving it: inflation, rising home prices, and a credit scoring system...
Episode #5
Auto loans are surging as consumers rush to lock in purchases ahead of tariffs, but early-stage auto delinquencies jumped 32% month over month. For ABS investors and lenders, the question is how tariffs will impact the...
Episode #4
Consumer credit stabilized in March, the average VantageScore rebounded to 702, and credit card balances held essentially flat. But behind the scenes, institutional investors are growing more cautious about the...
Episode #3
Auto loan delinquencies are rising across all categories, the average VantageScore credit score dropped for the first time in 11 months, and student loan reporting resumption is already showing up in late-stage...
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