CreditGauge LIVE

About CreditGauge LIVE

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.

Publisher

VantageScore

Category

news

Language

en

Explicit

No

First episode

27 Jan 2025

Latest episode

23 Oct 2026

Latest episodes

23 episodes in the feed.

1. 

   23 Oct 2026

   VantageScore at ABS East: Consumer Credit Health and the Future of Scoring, with Silvio Tavares

   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 cov...

2. 

   23 Sept 2026

   Affordability, Competition, and the Housing Market, with Scott Norman of the Texas MBA

   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...

3. 

   25 Aug 2026

   The 33 Million Consumers Legacy Scores Ignore, with Dr. Andrada Pacheco of VantageScore

   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...

Who has been a guest on CreditGauge LIVE

Names identified in recent episode analyses. Showing up to five guests.

• Dr Andrada Pacheco
• Dr Rikard Bandebo
• Jay Budzik
• Armine Karajyan
• Anthony Hutchinson

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

YouTube views

2,620,757

Score snapshot 15 Sept 2025

Apple Podcasts (US)

5.0 / 5

1 ratings

Spotify

5.0 / 5

1 ratings

Podcast Authority Score: 27 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

7

Social presence

0

YouTube

86

Engagement

32