Shows
CreditGauge LIVENew Consumer Credit Activity Cools Off After a Hot SummerIn the October edition of CreditGauge LIVE, VantageScore’s Jeff Richardson, Susan McBreen Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Dr. Andrada Pacheco, EVP and Chief Data Scientist at VantageScore, who shares the latest data analysis comparing VantageScore 4.0 to FICO Classic for mortgages.Insights from the September 2025 VantageScore CreditGauge™: ➡️ New Consumer Credit Activity Slows➡️ Mortgage Credit Delinquencies Rise➡️ Early-Stage Delinquencies at Year-to-Date HighTune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and...
2025-10-2709 min
Made 4 More LivingCredit Hacks, VantageScore Shifts & Buyer Leverage: Homeownership Insights with Sarah Perkins | Ep 95In this episode, we sit down with Sarah Perkins from Blue Water Credit to unpack the new VantageScore model, how it’s changing mortgage approvals, and what it means for future homeowners. Learn the key differences between FICO and VantageScore, how Gen Z is building credit faster, and discover insider strategies to boost your score—from lowering credit utilization to using authorized user accounts.
Plus, we break down today’s buyer-friendly housing market, why late October is prime for deals, and how to avoid the #1 mistake sellers make during the holidays: accepting or making contingent offers...
2025-10-2552 minCreditGauge LIVEConsumer Credit Quality Deteriorates Across Most Credit CategoriesIn the September edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Dr. Rikard Bandebo, VantageScore EVP, Chief Strategy Officer, and Chief Economist, who shares key insights into the auto loan market. Insights from the August 2025 VantageScore CreditGauge™: ➡️ Consumer Credit Quality Deteriorates ➡️ Superprime and Subprime Delinquency Rates Rise➡️ Personal Loan Credit Originations UpTune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. Read the latest CreditGaug...
2025-09-2308 minCreditGauge LIVELate-Stage Delinquencies Increase, Driven by Auto Loans and MortgagesIn the August edition of CreditGauge LIVE, VantageScore hosts Ola Fadahunsi, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Jay Budzik, SVP, Director of AI & Machine Learning Operations at Fifth Third, who shares key insights into consumer credit. Insights from the July 2025 VantageScore CreditGauge™: ➡️ Late-Stage Credit Delinquencies Increase➡️ Auto Loans and Mortgages Drive Delinquencies➡️ Average VantageScore Credit Score DeclinesTune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. Read the latest C...
2025-08-2209 min
Credit Repair Business SecretsFICO vs. VantageScore 4.0: The New Rules of Credit Scoring ExplainedJoin Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ What if I told you that the biggest reason your clients aren’t getting approved for mortgages isn’t their debt or income, but an outdated credit scoring system?For decades, if your clients wanted a mortgage backed by Fannie Mae or Freddie Mac, they had to pass the classic FICO test. No exceptions. It didn’t matter if they’d paid their rent on time for 10 years or if their utility bills were flawless. If it wasn’t in the FICO model, it didn’t count....
2025-08-1910 min
Market Shares With Tony BlodgettVantageScore Is Changing Everything: What Lenders & Borrowers MUST KnowThe biggest mortgage innovation in 30 years is here—and it's not just hype. The FHFA is moving Fannie Mae and Freddie Mac toward VantageScore, setting off a seismic shift in credit evaluation, loan pricing, and mortgage access across the country.Tony Blodgett unpacks how the shift to VantageScore could expand credit access, disrupt FICO’s dominance, drive underwriting changes, and start impacting the industry as early as 2025.👉 Whether you're a loan officer, mortgage exec, or just want to stay ahead of the biggest shakeup in lending since automated underwriting—this episode is your playbook.📌 Topics We Co...
2025-08-0115 minCreditGauge LIVESubprime Delinquencies Show A Noteworthy IncreaseIn the July edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health.This month, they’re also joined by Armine Karajyan, Senior Director, RMBS, at KBRA, who shares key insights into the mortgage market.Insights from the June 2025 VantageScore CreditGauge™: ➡️ Late-Stage Subprime Delinquencies Rise➡️ Auto Loan Delinquencies Increase➡️ Average Credit Balances Remain ElevatedTune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. Read the latest CreditGauge...
2025-07-2808 min
theREsource podcastBig Tax Loopholes + VantageScore 4.0 = Homeownership Boom?📢 Huge changes just landed—and they could impact your business, your taxes, and your buyers for years to come. In this episode we break down two game-changing updates: 1️⃣ A massive new bill with real estate-friendly tax benefits 2️⃣ A revolutionary shift in mortgage credit scoring that could unlock homeownership for millions 🎥 Watch now to learn what this means for Realtors, Lenders, Investors, and Buyers—and how to make the most of it before the market catches up. Links: https://www.prnewswire.com/news-releases/vantagescore-4-0-allowed-for-use-on-all-fannie-mae-and-freddie-mac-mortgages-effective-immediately-302500383.html?utm_source=www.mortgagenuggets.com...
2025-07-1405 min
Loan Officer Breakfast ClubVantageScore Approved… But Now What? What Loan Officers Need to KnowIn this episode of the Loan Officer Breakfast Club, Owen Lee unpacks the buzz around the newly approved VantageScore 4.0 and what it really means for the mortgage industry. While Fannie and Freddie have greenlit its use without requiring new infrastructure, Owen points out that this headline news comes with a ton of unanswered questions. From how LLPA grids will adapt, to AUS compatibility, to mortgage insurance pricing and correspondent lender adoption—nothing is clearly defined yet. If you're a loan officer trying to understand how (and when) VantageScore might impact your daily work, this breakdown is essential vi...
2025-07-1039 min
HousingWire DailyJames Kleimann on the VantageScore announcementOn today’s episode, Editor in Chief Sarah Wheeler talks with Managing Editor James Kleimann about the FHFA's announcement this week that VantageScore 4.0 would be accepted by Fannie and Freddie effective immediately.
Related to this episode:
Pulte says GSEs will accept VantageScore 4.0 immediately
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The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices
2025-07-1024 minCreditGauge LIVEMortgages Show Largest Increase in Delinquencies Among Credit ProductsIn the June edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Anthony Hutchinson, EVP and Head of Public Affairs at VantageScore, who shares key insights into the mortgage market. Insights from the May 2025 VantageScore CreditGauge™: ➡️ Early-Stage Delinquencies Rise➡️ Superprime Delinquencies Triple➡️ Average Credit Balances Reach New HighsTune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. Read the latest CreditGauge analysis here...
2025-06-2506 minCreditGauge LIVEBorrowing Levels Plateau. What Does This Mean for the Consumer Credit Economy?In the May edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Michael Girard, Senior Director, Asset-Backed Securities at Fitch Ratings, who shares key insights into the ABS market and consumer finance. Insights from the April 2025 VantageScore CreditGauge™: ➡️ Auto Loans Emerge as Most Active Consumer Credit Category➡️ Early-Stage Credit Delinquencies Improve➡️ Overall Borrowing PlateausTune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit healt...
2025-05-2709 minCreditGauge LIVEConsumer Credit Health Stable, Average VantageScore Back to 702In the April edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Joseph Lau, President at Lord Capital, who shares key insights into the ABS market and consumer finance. Key insights from the March 2025 VantageScore CreditGauge™: ➡️ Credit Card Balances Remain Flat➡️ Banks Tighten Lending Criteria➡️ Credit Delinquencies Stable Across All Credit ProductsTune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. Read the late...
2025-04-2910 minCreditGauge LIVEAuto Loans Flashed Caution Signs, Late Payments Increase and Average VantageScore DeclinesIn the March edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza share the latest insights into U.S. consumer credit health. This month, they’re also joined by Kelsey Zhu, Director and Senior Research Analyst at Autonomous Research, who walks through her outlook for consumer lending in 2025.Key insights from the February 2025 VantageScore CreditGauge™: ➡️ Auto Loan Delinquencies Increased Year-Over-Year➡️ The Average VantageScore Credit Score Declined➡️ Late-Stage Delinquencies Rose SharplyTune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. Read...
2025-03-2607 minCreditGauge LIVECredit Delinquencies Hit Highest Levels in Five YearsIn the February edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza provide the latest insights into U.S. consumer credit health. This month, they’re joined by Dan Currell, Former Senior Advisor at the U.S. Department of Education, who discussed the likely impact of student loan payment reporting resumption on consumer credit. Key insights from the January 2025 VantageScore® CreditGauge™:➡️ Auto Loan Delinquencies Rose➡️ New Credit Card Account Growth Declined➡️ Credit Balances Inched HigherTune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insigh...
2025-02-2605 minCreditGauge LIVEAre Consumers Using Credit More Cautiously?In the January edition of CreditGauge LIVE, VantageScore hosts Jeff Richardson, Susan Fahy, and Atif Mirza provide the latest insights into U.S. consumer credit health. Key insights from the latest VantageScore CreditGauge™: ➡️ Credit Card Balances In Line with Inflation➡️ Overall Delinquencies Inched Higher ➡️ Overall Credit Utilization Declined Year-Over-YearTune in monthly to VantageScore’s CreditGauge LIVE featuring the latest newsmakers and insights into consumer credit health. Read the latest CreditGauge analysis here: https://www.vantagescore.com/lenders/credit-gauge/
2025-01-2705 min
The ScoreThe Impact of AI in FinTechAccording to the World Economic Forum, 85% of financial services organizations are using AI in some capacity. It’s no secret the artificial intelligence ‘arms race’ is impacting virtually every industry, especially financial services. It’s also creating interesting and novel challenges for every industry, both in its application and its usage. It’s often said that technology advances faster than regulation. Is that the case with artificial intelligence, or are the rules of the road keeping pace with innovation? And how should fintech companies approach AI governance to ensure fair outcomes?Tamra Moore is VantageScore’s Deputy Gene...
2024-09-0910 min
The ScoreBank of America: VantageScore 4.0 is “Better” for MortgageTo date, nearly all mortgage loans continue to use outdated credit scoring models, though in other loan categories, much newer, more predictive, and inclusive models are most commonly used. But the mortgage industry is advancing. By next year, all mortgage loans backed by Fannie Mae and Freddie Mac will require a VantageScore 4.0 credit score. In advance of this change, Bank of America recently issued an independent research report analyzing the VantageScore 4.0 mortgage data set. Pratik Gupta is the Head of CLO & RMBS Research at Bank of America Securities. Pratik joins The SCORE this week to dis...
2024-08-2112 min
The ScoreA $1 Trillion Opportunity?It's been called the “$1 trillion opportunity.” Currently, the housing market is paralyzed. Homeowners are left out of the market due to a lack of inventory or—even worse—can’t access it due to outdated credit scoring models that exclude them. Recent VantageScore research found an estimated $1 trillion of pent-up growth potential in the form of borrowers who have historically been left out of homeownership opportunities due to unfairly restrictive, decades-old scoring models. But that's all changing with the implementation of VantageScore 4.0 for mortgages funded by Fannie Mae and Freddie Mac.Anthony Hutchinson is Senior Vice Presid...
2024-07-2317 min
The ScoreIs Consumer Credit Health Proving Resilient?CreditGauge, VantageScore’s monthly analysis of consumer credit health, found that in April 2024, delinquencies declined for a second straight month. To date, consumers are weathering economic pressures fairly well. But is this proof of a climb out of a delinquency-heavy phase, or are household budgets on a bumpy roller coaster ride longer-term?Atif Mirza is Vice President of Digital at VantageScore, where he manages the VantageScore suite of digital tools for lenders – CreditGauge, Inclusion360, and RiskRatio – tools that help lenders expand their footprint in ways that both serve more creditworthy consumers and also boost financial inclusion.Atif...
2024-06-0406 min
The Innovators’ Exchange by Oliver WymanSilvio Tavares, President And CEO Of VantageScore, On Financial Inclusion And The Future Of Credit DecisioningIn this episode, Hiten Patel and his co-host Cosimo Schiavone are joined by Silvio Tavares, the CEO of VantageScore, a national credit scoring company. Silvio shares his personal journey and the challenges his family faced as immigrants in the United States. He also discusses the role of VantageScore in the credit scoring industry and the importance of financial inclusion. Silvio highlights the need for innovation and the incorporation of alternative data in credit decisions. He also shares his insights on the future of data usage and the importance of creating value for multiple stakeholders.
2024-04-0841 min
The ScoreConsumer Credit Health in 2024Spending is up! Delinquencies are up? And oh, it's an election year! With the resumption of student loan payments, persistent inflation, and other potential challenges, what can consumers expect in 2024? To be sure, all eyes will be on the economic health of consumers. This week, Susan Fahy joins THE SCORE Podcast to discuss what CreditGauge reveals about Americans’ current credit health. Susan is VantageScore’s EVP and Chief Digital Officer. In addition to spearheading the monthly CreditGauge analysis, Susan also helps keep lenders informed through leading-edge digital tools such as Inclusion360, RiskRatio, and Market...
2024-02-1309 min
The ScoreHow Can Financial Inclusion Be Measured?The U.S. economy is, in many ways, the envy of the world, and millions migrate annually to this country to participate and live out the ‘American Dream.’ However, inequitable access to the financial tools that preclude milestone moments, like purchasing a home, can become barriers to the ‘credit invisible’ or those otherwise unaccounted for in the financial services marketplace. So, how can fintech leaders help broaden the tent, and what role does competition play in keeping the doors open to the U.S. financial system for underrepresented communities? Silvio Tavares, President and CEO of VantageSco...
2023-11-0616 min
The ScoreNavigating Your Federal Student Loan Repayment PlanThis fall, an estimated 44 million borrowers will stretch their personal budgets once again, adding yet another item to their bottom line – a federal student loan payment. If you don’t know where to start your repayment journey, you’re not alone. Dan Currell, CEO of the Digital Commerce Alliance and Former Deputy Under Secretary and Senior Advisor at the U.S. Department of Education, joins THE SCORE to help borrowers figure out where to start. VantageScore partnered with Dan to create an FAQ titled “39 Answers to Student Loan Questions,” designed to help consumers map out their path to student l...
2023-09-2518 min
The ScoreChecking in on the Credit Builders Alliance/VantageScore Financial Inclusion Pilot ProgramA year ago, VantageScore funded a pilot program in partnership with the Credit Builders Alliance aimed at using data and analytics to extend credit counseling and credit scoring information to areas of the United States with large concentrations of lower income consumers. Interested in the results?The latest episode of THE SCORE podcast features Dara Duguay, CEO of Credit Builders Alliance and Joe Lauchlan, a Financial Coach with the International Institute of Metropolitan Detroit. During the podcast they share how they leveraged VantageScore 4.0 in addition to new credit counseling capabilities to improve credit health in a measurable...
2023-09-1116 min
The ScoreBROADENING ACCESS TO HOMEOWNERSHIP: VantageScore 4.0 implementation for GSE-funded mortgages and the balance between expanding financial inclusion and risk managementIs there a tradeoff between expanding the pool of potential mortgage eligible consumers and sacrificing risk management? The Federal Housing Finance Agency (FHFA), which regulates Fannie Mae and Freddie Mac, has mandated use of VantageScore 4.0 with a 3-year roadmap for implementation. Meanwhile, millions of creditworthy consumers are on the outside of the American Dream of homeownership, looking in. On this week’s episode of The SCORE, we hear from Tony Hutchinson, Senior Vice President of Industry and Government Relations at VantageScore. Tony explains where we are on the road to VantageScore 4.0 implementation for GSE-funded mortgages, the...
2023-08-1813 min
The ScoreCredit Score Migration: What Lenders Need to KnowIt's maybe the least understood aspect of credit scoring: a 700 score today will represent a totally different risk during the next credit cycle. And as macro-economic issues change, so does the risk that any score represents. During the pandemic, consumer credit health was positively impacted by various factors such as government stimulus payments, suspended student loan obligations, and resulted in increased personal savings rates. As a result, and logically, scores rose.The economy is much different now and many consumers have struggled with their debt obligations. The looming resumption of student loan payments further stands t...
2023-07-3113 min
The ScoreHow is VantageScore providing lenders with transparency in a digital world?Atif Mirza, Vice President of Digital at VantageScore joins The SCORE to discuss the post-pandemic shift to digital in the financial services sector and the tools VantageScore offers lenders – namely CreditGauge, Inclusion360, and RiskRatio – that help expand the lendable pool in a way that positively impacts financial outcomes in underserved populations.Atif explains how lenders and other market participants leverage new tools and insights that help market participants understand what’s happening with consumers and their credit health, how delinquency rates are trending, and what adjustments are needed to optimize loan portfolios.
2023-07-1709 min
The ScoreHow Will the End of the Federal Student Loan Forbearance Period Affect Consumers?Over the course of the next few months, the resumption of student loan payments is likely to change household budgets for over 40 million Americans – one of the most significant changes to their personal finances and since the start of the pandemic. Data scientists Dr. Andrada I. Pacheco and Ritika Sinha recently joined THE SCORE to discuss VantageScore’s perspectives and insights on how consumer behavior (and by extension, consumer credit scores) might shift in response to the end of the student loan forbearance period. Dr. Andrada I. Pacheco is Director of Data Sciences at VantageScore. Dr. Pa...
2023-06-2010 min
The ScoreConsumer Credit Health Remains Relatively Stable. So Why Are Lenders Pulling Back?Hear from Susan Fahy, Executive Vice President and Chief Digital Officer at VantageScore about how consumers and lenders are responding to the current economic environment.Susan spoke with THE SCORE podcast about what CreditGauge powered by VantageScore™ is telling us about how consumer credit health is impacted by current economic pressures and how stakeholders can use the tool to instantly get access to a comprehensive database of consumer credit trends.
2023-04-0606 min
The ScoreIs inflation and the rising cost of living causing consumers to miss payments?Hear from Susan Fahy, Executive Vice President and Chief Digital Officer at VantageScore about the latest in how consumers are handling their credit accounts.Susan spoke with THE SCORE about what CreditGauge powered by VantageScore™ is telling us about the economy and how stakeholders can use the tool to instantly get access to a comprehensive database of consumer credit trends.
2023-02-0809 min
Creating Wealth Real Estate Investing with Jason Hartman1955: FICO Vs. Vantagescore, Building Your Credit Score, Empowered Investor Pro CruiseToday Jason talks about the FICO versus the VantageScore system and how we can use credit to our advantage and how we can improve our correct score! So many factors play into these but it is imperative you have a basic understanding of these 2 systems; especially when dealing with your mortgages. Rooms are going FAST! Book your ticket today! Go to EmpoweredInvestor.com/cruise. Everything is subject to availability. When you do, you also get a one on one coaching with Jason! So join the Empowered Investor Pro - Member Retreat, a Western Caribbean Cruise with Jason...
2023-02-0132 min
The ScoreIs alternative data really a game changer for credit scores?Is alternative data really a game changer for credit scores? The answer…is yes.Hear from Jung Choi, Senior Research Associate at the Urban Institute about research that uncovers the impact that including rent data in credit scores has for underserved borrowers.Jung spoke to THE SCORE podcast about her research and how including VantageScore in mortgage applications will help solve for an increasingly growing racial homeownership gap.Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/va...
2022-12-1309 min
2022-12-0503 min
The ScoreAre consumers going to spend as they did last year this holiday season?What’s “in store” for the holiday shopping season and are consumers starting to demonstrate riskier credit behaviors?THE SCORE podcast caught up with Tom Aliff, who leads the Risk Consulting and Advisory practice for Equifax’s US division. Tom shared insights on how consumers are spending so far this holiday shopping season and how lenders can track credit risk while the economy is showing some mixed signals. Plus, some fresh credit insights from CreditGauge Powered by VantageScore™!Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagesco...
2022-11-2810 min
Mortgage Brokers AdvisorsFHFA Approves FICO 10T and VantageScore 4.0 Credit ModelsFHFA Approves FICO 10T and VantageScore 4.0 Credit Models New Credit Models Benefit Borrowers & Enterprises The Federal Housing Finance Agency (FHFA) announced October 24, 2022 validation of both the FICO 10T credit score model and the VantageScore 4.0 credit score include rent, utilities and telecom payments, delivering a more accurate and inclusive credit model for use by Fannie Mae and Freddie Mac. The FHFA expects implementation will be a multiyear process, and lenders will be required to deliver both scores with each loan sold to Fannie Mae and Freddie Mac.“While implementing the newer credit score...
2022-11-0402 min
The ScoreCEO’s Perspective: What’s in the pipeline for VantageScore?Hear from Silvio Tavares, President & CEO of VantageScore about why the company has dramatically improved its digital engagement and how data innovation will drive future growth in the adoption of VantageScore credit scores.Silvio shared with THE SCORE how recent tools and data resources like RiskRatio and CreditGauge – Powered by VantageScore™ will help lenders, capital markets and other stakeholders track the latest in consumer credit health trends in an increasingly uncertain economy.Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyout...
2022-11-0211 min
The ScoreWhat does a collaborative financial inclusion strategy look like?Hear from Kate Griffin, Project Director for Building Inclusive Financial Systems at the ASPEN Institute, which is a powerhouse educational and policy studies organization based in Washington, DC. Kate joined THE SCORE to discuss the potential launch of a proposed National Financial Inclusion Commission in the U.S. to create a national financial inclusion strategy.But who should lead that effort and what organizations should be involved? Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
2022-10-1211 min
How to Lend Money to StrangersA more inclusive credit score for lending and securitization, with Toni Hubbs (VantageScore)Credit scores are near to my heart. I kinda work around them now, but still, I spent a wonderful decade rolling the things out and so I’m getting back to my roots. In today’s episode, Toni Hubbs talks to me about how the team at VantageScore is driving inclusion and transparency in credit scores at scale (a really, really big scale), and about how and why those scores are being used in securitization deals.Head on over to https://vantagescore.com/ to find all their educational materialYou can find The Score, Vant...
2022-10-0628 min
The ScoreWhy is there still a large population of underbanked in U.S.?Hear from Joseph Akintolayo, a serial entrepreneur, strategist, and technologist based in Dallas, Texas. He is CEO and founder of Deposits.Joseph spoke to THE SCORE about how he helps financial institutions make services more accessible to underserved populations including those that have been formerly incarcerated. Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
2022-09-1509 min
The ScoreHow many consumers lack credit scores in your neck of the woods?Hear from Susan Fahy, Executive Vice President and Chief Digital Officer at VantageScore, about her role at VantageScore and the recently released digital Inclusion360™ tool!Susan shared with THE SCORE how the tool allows stakeholders to examine regions in the United States and seamlessly and interactively download information that sheds light on how many more creditworthy consumers reside in communities across America.Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
2022-09-0809 min
The ScoreWhat do bank executives think about the Federal Reserve’s reaction to inflation?Are banking industry news outlets in trouble because they can’t compete with, well…us?Hear from Rob Blackwell, Chief Content Officer & Head of External Affairs at IntraFi Network. Rob is also host of the “Banking with Interest” podcast and formerly was editor-in-chief of American Banker, the banking industry’s most prominent media outlet.During the conversation, Rob explains why, despite all the great content that brands are creating, we still need American Banker and its competitors. He also discusses a survey that explored how banking executives are reacting to the Federal Reserve’s recent activity.
2022-08-1912 min
The ScoreCould an economic downturn impact woman and immigrant-owned start ups worse than the rest of the population?Hear from Mike Davis, founding partner of Olive Tree Ridge.Mike spoke to THE SCORE about how his firm exclusively funds women and immigrant-owned businesses and his fondness for the movie “My Cousin Vinny!”Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
2022-08-1108 min
The ScoreWill a recession contribute to the widening racial gap in homeownership?THE SCORE landed an interview with one of the most prolific speakers that mortgage industry has! Hear from Faith Swartz, President of Housing Finance Strategies and founder of the #housingDC22 conference.Faith spoke to THE SCORE podcast about whether a downturn in the economy could impact the important spotlight that currently shines on housing equality.Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
2022-08-0511 min
The ScoreIs There a Looming Mortgage Foreclosure Crisis?ARE WE HEADED FOR ANOTHER MORTGAGE DEFAULT CRISIS? For the most part consumer credit is healthy, but will a Recession hit the mortgage industry harder?Here from Rick Sharga, Executive Vice President Market Intelligence at ATTOM as he breaks down the latest in mortgage foreclosure trends.Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
2022-07-2810 min
The ScoreCell phone payments in your VantageScore® credit score?Hear from Steve Ely, CEO of eCredible about how their services help consumers AND small business owners tap into their cell phone and other utility payments to help get access to loans.Steve spoke to THE SCORE podcast about how using permissioned data that isn’t normally reported to the credit bureaus is likely to be part of loan underwriting in the future.Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
2022-07-1308 min
The ScoreStudent loan debt is in crisis but what can we learn from this FINTECH?You might be surprised to learn that among all the fintechs out there solving for so many unique problems that it’s a student loan provider that American Banker named best fintech to work for. According to the Education Data Initiative, the average public university student borrows about $30,000 to obtain a bachelor’s degree. Meanwhile, those who attend private universities borrow around $44,000 on average. Debt loads are also disproportionately impacting minority students.MPOWER is aiming to reshuffle the deck and help students, particularly those from outside of the United States, choose the right loans and educa...
2022-06-2909 min
The ScoreCredit scores are everywhere so how can consumers make sense of it?It’s a question we get all the time: Why do I have so many different credit scores and which one do lenders use?We posed this question and more to Liz Weston, award-winning personal finance columnist at Nerdwallet, speaker, commentator and author of “Your Credit Score,” which is in its fifth edition!Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
2022-06-2310 min
The ScoreGet Rewards for Paying Your RentFor tens of millions of consumers, the monthly rent is the largest monthly debt obligation, but (1) you don’t get rewards for paying it like you do for credit cards, and (2) it doesn’t help your credit score.Bilt is changing all that. Dan Seder, chief operating officer of Bilt Rewards spoke to THE SCORE about his start-up.Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
2022-06-0807 min
The ScoreCrypto Meltdown: What’s the future of crypto lending?Hear from John Sun, CEO & Founder of Spring Labs, which creates and oversees anonymous, decentralized data networks that vastly increase the amount, quality, and security of information available to market participants.John spoke to THE SCORE podcast about how loan transactions are occurring in the crypto market and on the blockchain…and that “know your customer” rules and credit scores will be an important factor in the future.Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
2022-06-0108 min
The ScoreScoring the Underbanked and Bridging the Racial Wealth GapOver 63 million Americans are unbanked or underbanked. With fees and interest rates, it's expensive to be one of these consumers. MoCaFi, a popular fintech company, is on a mission to bridge the wealth gap with their innovative solutions and products. Today we meet with their Founder and CEO Wole Coaxum to understand the lay of the land and what they are up to.Follow us on social media!linkedin.com/company/vantagescoretwitter.com/vantagescorefb.com/vantagescoreinstagram.com/vantagescoreyoutube.com/vantagescore
2022-05-0409 min
The ScoreBringing BNPL Data to the BureausHow are the credit reporting bureaus integrating BNPL financial data and using it? Find out in this episode with Liz Pagel, Senior Vice President, Consumer Lending Business Leader at TransUnionFollow us on social media!youtube.com/vantagescorefb.com/vantagescoretwitter.com/vantagescorevantagescore.com/linkedininstagram.com/vantagescore
2022-04-2708 min
The ScoreHow Are Consumers Handling Their Debts Post-COVID?Millions of people have been financially impacted by COVID-19 around the world. How has the pandemic impacted the way American consumers are managing their debts? Find out in this episode with Emre Sahingur, SVP for Predictive Analytics, Research and Product Management at VantageScore Solutions.Follow us on social media!youtube.com/vantagescorefb.com/vantagescoretwitter.com/vantagescorevantagescore.com/linkedininstagram.com/vantagescore
2022-04-1408 min
The ScoreIs Bank Data Coming to Credit Scores?What's the difference between traditional underwriting and cashflow underwriting? Get an inside look with expert Kelly Cochran, Deputy Director at FinRegLab. Today we discuss what cashflow underwriting is and the benefits and risks of using this data in credit scoring.Follow us on social media!youtube.com/vantagescorefb.com/vantagescoretwitter.com/vantagescorevantagescore.com/linkedininstagram.com/vantagescore
2022-04-0608 min
The ScoreBy Now Pay Later: What’s in it for Consumers?In this episode, we sit down with Gary Stein, Chief Product & Compliance Officer at Opy to discuss what's fueling BNPL - this new category's growth, whether the data will be reported to the credit bureaus and what led this former regulator back to the private sector.Follow us on social media!youtube.com/vantagescorefb.com/vantagescoretwitter.com/vantagescorevantagescore.com/linkedininstagram.com/vantagescore
2022-03-0109 min
2021-10-2503 min
Personal Finance in Canada Show (PFC Show) with Azizz Finance28. Credit Score Factor #4 (VantageScore) - BalancesVantageScore Factor #4 being your Balances!
Another important distinction to be made here in comparison with the Credit Score factors that are seen in the VantageScore AND FICO Score so be sure you're listening closely!
Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!
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2021-09-2803 min
2021-09-2004 min
Personal Finance in Canada Show (PFC Show) with Azizz Finance26. Credit Utilization in Canada | VantageScore Factor #3The Credit Utilization Factor of the Vantage Score
The VantageScore Consists of 6 Different Factors that make up the Total 3 Digits of your Credit Score. Regardless of how much Credit Utilization impacts your score, it's still extremely important for you to be aware of this third factor.
Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.
If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure...
2021-09-1403 min
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2021-09-0604 minPersonal Finance in Canada Show (PFC Show) with Azizz Finance24. VantageScore Factor #2 - Credit Age & TypeVantageScore Factor #2 being Credit Age & Type! Again, similar to the Credit Diversification that makes up the FICO Score with a few significant differences so you guessed it... Make notes on these differences and watch your Credit Score Skyrocket!
Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!
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2021-08-1901 minPersonal Finance in Canada Show (PFC Show) with Azizz Finance22. VantageScore Facor #1 - Payment HistoryBreaking down the Payment History Factor of the VantageScore
Very similar to the Payment History of the FICO score with subtle differences - NOTE these differences down and keep this in mind for your overall Credit Score!
Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!
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2021-08-1704 min
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2021-08-0503 minPersonal Finance in Canada Show (PFC Show) with Azizz Finance20. The VantageScore Factors for Canadians!The VantageScore is DIFFERENT than the FICO Score. Both make up your Overall Credit Score which is why it's so important to know about the Vantage Score as well!
The VantageScore is just another type of credit score that is factored in by only some Canadian businesses. There's no confirmation that this type of Credit Score is used BUT you want to put yourself in a safe situation in case it is!
Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to...
2021-08-0307 min
2021-07-2903 min
2021-07-2204 min
The ScoreTravel Tips and Tricks that Save You MoneyWondering how to travel on a budget? Learn how to capitalize on points for your travel from hotels to credit cards from popular travel and finance blogger Lee Huffman, Founder of BaldThoughts. Find out what the best rewards programs are, how the pandemic has affected the travel and credit card industry, and travel hacks for your next vacation.
2021-07-1915 min
The ScorePart 2: Asian American Representation in the Mortgage and Finance IndustryToday we break down model minority and Asian American representation in the mortgage and finance industry with Jim Park, CEO and Co-Founder of The Mortgage Collaborative, who has nearly 30 years of experience in the private, government and nonprofit sectors, and has successfully launched a number of financial services related businesses.Jim has dedicated his career to supporting issues related to diverse communities, mortgage finance and affordable housing issues. Learn about his experiences being Korean in America from childhood to the ground breaking initiatives he's leading today. He is also the CEO of Association of Asian A...
2021-07-0520 min
The ScorePart 1: Asian American Representation in the Mortgage and Finance IndustryToday we break down model minority and Asian American representation in the mortgage and finance industry with Jim Park, CEO and Co-Founder of The Mortgage Collaborative, who has nearly 30 years of experience in the private, government and nonprofit sectors, and has successfully launched a number of financial services related businesses.Jim has dedicated his career to supporting issues related to diverse communities, mortgage finance and affordable housing issues. Learn about his experiences being Korean in America from childhood to the ground breaking initiatives he's leading today. He is also the CEO of Association of Asian A...
2021-06-2817 min
The ScorePart 2: Housing Policy and Finance in a COVID worldToday we meet at the intersection of housing finance and policy with Kara Ward, Partner at Holland & Knight, who has worked extensively on efforts to reform the single-family residential housing system. Learn abut innovations, policies, and efforts underway to open up housing opportunities for disadvantaged and underserved communities. Find out how COVID-19 affected unbanked households and what we can expect under the Biden Administration in housing finance.Kara frequently works on issues involving the U.S. House Financial Services Committee, U.S. Senate Banking Committee, U.S. Department of the Treasury, Consumer Financial Protection Bureau (CFPB), Federal...
2021-05-2419 min
The ScorePart 1: Housing Policy and Finance in a COVID worldToday we meet at the intersection of housing finance and policy with Kara Ward, Partner at Holland & Knight, who has worked extensively on efforts to reform the single-family residential housing system. Learn about innovations, policies, and efforts underway to open up housing opportunities for disadvantaged and underserved communities. Find out how COVID-19 affected unbanked households and what we can expect under the Biden Administration in housing finance.Kara frequently works on issues involving the U.S. House Financial Services Committee, U.S. Senate Banking Committee, U.S. Department of the Treasury, Consumer Financial Protection Bureau (CFPB), Federal...
2021-05-1719 min
The Credit Repair Show!What's the difference between your F.I.C.O score and your VantageScore (Creditkarma) Ep.17Knowing the difference between your F.I.C.O score and your VantageScore (Creditkarma) can be a big help in knowing if you will be approved for credit.
*Thanks you for listening. If you like the podcast please Rate it 5 stars on Apple Podcast! Much love and have a great day!
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2021-05-0521 min
Credit Coaching by KristiFICO vs. VantageScore: 2 Types of Scoring ModelsDid you know there are DOZENS of scoring models out there? There are the big 2 that we will focus on: FICO and VantageScore. Although they are similar, there are several very important differences. 90% of lenders use FICO as a scoring model. Listen in to learn the differences and how it effects YOU!
2021-04-2812 min
The ScorePart 2: How AI and alternative data are changing the shape of the industryHow is AI used in credit? What is alternative data? In this episode, we talk to Peter Maynard who leads Equifax’s Global Capabilities team that focuses on identifying and driving innovative data and analytics solutions. His responsibilities include analytical product development and innovation, identity linking and matching, identity fraud solutions, as well as data and model governance across Equifax’s global markets. As we dive into his journey, learn how he came to oversee teams that have generated six patent pending technologies as well as insight into the technical side of credit. Find out some interesting history on Equi...
2021-04-2617 min
The ScorePart 1: How AI and alternative data are changing the shape of the industryHow is AI used in credit? What is alternative data? In this episode, we talk to Peter Maynard who leads Equifax’s Global Capabilities team that focuses on identifying and driving innovative data and analytics solutions. His responsibilities include analytical product development and innovation, identity linking and matching, identity fraud solutions, as well as data and model governance across Equifax’s global markets. As we dive into his journey, learn how he came to oversee teams that have generated six patent pending technologies as well as insight into the technical side of credit. Find out some interesting history on Equi...
2021-04-1915 min
The ScorePart 2: Digging out of Debt - How to manage finances in your 20s and 30sWhat money moves should you make in your 20s versus 30s? How can you avoid the common pitfalls so you can put your best financial foot forward? In this episode, we sit down with Yanely Espinal, Creator of the popular YouTube channel MissBeHelpful. After finding herself in $20,000 of credit card debt after college, Yanely shares her tried and true practices on how she paid it off - which inspired her on a mission of financial literacy. Learn expert tips on budgeting, debt payment strategies, investing and managing your credit score.This is part two.
2021-04-0519 min
The ScorePart 1: Digging out of Debt - How to manage finances in your 20s and 30sWhat money moves should you make in your 20s versus 30s? How can you avoid the common pitfalls so you can put your best financial foot forward? In this episode, we sit down with Yanely Espinal, Creator of the popular YouTube channel MissBeHelpful. After finding herself in $20,000 of credit card debt after college, Yanely shares her tried and true practices on how she paid it off - which inspired her on a mission of financial literacy. Learn expert tips on budgeting, debt payment strategies, investing and managing your credit score.This is part one.
2021-03-2920 min
The ScoreMoney Behaviors and its Toll on Your Mental HealthHow do finances affect your mental health? What can you do about it? In this episode, financial psychologist Brad Klontz shares strategies on how to recognize your money script behavior and better understand shame, depression, values, and stressors around money that may keep us from reaching our financial goals.Brad Klontz is a Founder of the Financial Psychology Institute® and a Managing Principal of Your Mental Wealth® Advisors. He was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological interventions to help people with money and wealth issues.His...
2021-03-2320 min
The ScoreHow to Discuss Money with Your PartnerWondering how to bring up money with your partner? When is the perfect time? What should you say? In this episode, we sit with Brad Klontz, an award winning financial therapist and advisor. Learn ways to discuss financial goals, different incomes, and how to handle financial disagreements whether you're in the early stages of relationship or with a long-term partner.Brad Klontz is a Founder of the Financial Psychology Institute® and a Managing Principal of Your Mental Wealth® Advisors. He was awarded the Innovative Practice Presidential Citation from the American Psychological Association for his application of psychological inte...
2021-02-1420 min
The ScorePart 2: Economic and Housing Trends in a PandemicHow has COVID-19 affected the housing market? What challenges is it facing? Today, we sit down with Dr. Svenja Gudell is the chief economist of Zillow Group. She leads the industry-leading economic research team at Zillow, a recognized voice of impartial, data-driven economic analysis on the U.S. housing market. Under Svenja’s leadership, Zillow produces monthly reports on housing trends for over 450 metros nationwide. In addition, Svenja and her team publish original research on various real estate topics, ranging from rental and mortgage affordability, negative equity, forecasting to policy, millennial and mortgage research.In this episode, sh...
2021-02-0312 min
The ScorePart 1: Economic and Housing Trends in a PandemicHow has COVID-19 affected the housing market? What challenges is it facing? Today, we sit down with Dr. Svenja Gudell is the chief economist of Zillow Group. She leads the industry-leading economic research team at Zillow, a recognized voice of impartial, data-driven economic analysis on the U.S. housing market. Under Svenja’s leadership, Zillow produces monthly reports on housing trends for over 450 metros nationwide. In addition, Svenja and her team publish original research on various real estate topics, ranging from rental and mortgage affordability, negative equity, forecasting to policy, millennial and mortgage research.In this episode, sh...
2021-02-0314 min
The ScorePioneering the Credit Scoring LandscapeCan 20th-century credit scoring models really address the economic realities of the 21st century? By the early 2000s, many lenders had begun to worry that the old ways of scoring customers really were getting, well, old. In response, the three national credit reporting companies (CRCs), Equifax, Experian, and TransUnion, joined forces to create a more advanced credit scoring solution -- VantageScore Solutions.In this episode, we have an intimate conversation with the President and CEO of VantageScore, Barrett Burns, who joined during its formation in 2006. He shares insight to his journey that lead him to become a...
2021-01-1418 min
The ScoreCOVID-19 and Cyber Security in a Digital WorldHow is COVID-19 affecting cyber security? Are we more vulnerable these days? Are you more at risk living in a city versus the suburbs or country? We're back with Adam Levin, Founder of the international cyber security firm CyberScout. Adam shares insight on how hackers are taking advantage of the pandemic, creating new threats and the changing landscape. As the world turns more digital, we discuss how the increased dependency on technology poses opportunities and security challenges from Zoom to cloud safety. Learn what you can do to protect yourself as an individual and as a business. Just like...
2020-11-0619 min
The ScoreLessons on Laddering Up from a Female CEOGemma Postlethwaite is the CEO of Arizent, a financial business information and media company, and is responsible for the company's 30+ brands. She dives into her journey of becoming a female CEO and how she's leading change in the finance industry. Gain insight as we go behind the scenes on how she manages a large firm, how she champions other women in the industry and navigates running a business during COVID-19.
2020-09-1719 min
The ScoreWhy There's 3 Credit Reporting BureausHave you ever wondered why there are three credit reporting bureaus? How is credit and credit scores differ in other countries? In this episode, Rod shares his journey that led him to his path at Experian and breaks down difference between the credit reporting bureaus, how credit is different around the world, and resources at Experian you can leverage during COVID-19.Rod Griffin is the Senior Director of Consumer Education and Advocacy for Experian. He is responsible for Experian’s national consumer education programs and outreach. Rod serves as an expert spokesperson on consumer issues, particularly credit re...
2020-06-2320 min
The ScoreSpring Cleaning Your FinancesEric Rosenberg is a freelance writer specializing in finance and investing and founder of the popular finance blog PersonalProfitability.com. He has written for TD Ameritrade, SoFi, Citizens Bank, Business Insider, Investopedia, Huffington Post, Credit Karma, Forbes, MSN, Nasdaq, Mint by Intuit, and many other outlets. Before writing about finance and investing, Rosenberg was a former bank manager and corporate finance and accounting professional for 10 years.In this episode, Eric shares his journey on how he became one of the most in-demand financial bloggers. Take advantage of this down time in quarantine to "spring clean" your finances...
2020-04-2719 min