Meet VantageScore

Dr. Rikard Bandebo will host an engaging panel discussion with Leslie Deich, Head of Retail Credit Risk at M&T Bank, and Daria (DeeDee) Hadalski, Director of Scoring Initiatives at Synovus Bank, exploring the key trends shaping consumer credit health in today’s evolving financial landscape.

The conversation will examine the economic headwinds and tailwinds influencing consumer credit performance, as well as how emerging credit products are reshaping originations, borrower behavior, and delinquency patterns. Panelists will share perspectives from the front lines of consumer lending on how banks are navigating a rapidly changing environment.

The discussion will also highlight how new analytic innovations, data-driven insights, and evolving best practices can help U.S. banks not only weather volatility—but position themselves to grow and compete more effectively in an uncertain banking landscape.

Featured Speaker

Dr. Rikard Bandebo

Executive Vice President, Chief Strategy Officer and Chief Economist

Silvio Tavares, President and CEO of VantageScore, will participate in Bank of America’s 2026 Information & Business Services Conference on March 12 in New York. Mr. Tavares will discuss topics including the nuances of AI in credit scoring, the use of alternative data, and VantageScore in the conforming mortgage market.

The fireside chat will be held from 10:00 am to 10:35 am EDT and will be moderated by Curtis Nagle, Managing Director and Senior Equity Research Analyst at Bank of America Securities. A webcast of the chat is available at the Bank of America website and will be accessible via the “Watch Live” button below.

At SF Vegas 2026, Dr. Rikard Bandebo will participate in a panel on consumer credit health. Dr. Bandebo will provide an update on the latest trends in consumer credit and discuss the mixed signals on consumer health, highlighting which metrics best help people understand current conditions.

Panel to be held on the Main Stage (Pinyon 5) at Aria, Las Vegas at 3:10pm PST

With VantageScore^® 4.0 recently approved by the FHFA, many lenders and brokers are asking what this means for their business and how it compares to traditional scoring models. This session will unpack the similarities and differences between the two models, explore when and how VantageScore can be used, and answer key questions about prequalification strategies when outdated models remain the closing requirement. Gain the insights you need to confidently evaluate scoring options and position your business for the future.

VantageScore leaders and mortgage experts will be at the Mortgage Bankers Association Annual Conference later this month, and we’re excited to connect with you!

As the industry embraces innovation and fair lending progress, VantageScore 4.0 is the modern, tri-bureau credit scoring model that’s built to serve today’s mortgage market. With advanced use of trended credit data, consistent performance across all three nationwide credit bureaus, and rigorous fair lending compliance, VantageScore 4.0 empowers lenders to expand access to credit responsibly while driving confident business decisions.

If you’re attending MBA Annual, we’d love to meet. Reach out to schedule time with our team to discuss how VantageScore 4.0 is available today and ready to help you unlock growth in the mortgage marketplace.

👉 Let’s talk about how together we can build the future of mortgage lending.

Location:
Las Vegas, NV

Let VantageScore illuminate the evolving landscape of mortgage credit scoring-with insights you can’t afford to miss.

What You’ll Discover:

• Superior Default Detection: How VantageScore 4.0 identifies more mortgage defaults across all loan types than Classic FICO.
• Proven Resilience: Why our model outperformed during the pandemic compared to FICO.
• Expanding Opportunity: How VantageScore 4.0 enhances access to the Superprime market.

Don’t miss this fast-paced deep dive into how VantageScore 4.0 empowers lenders to reduce risk, increase access, and win in today’s dynamic mortgage environment.

Join us for a fast-paced 30-minute session featuring the latest insights and developments that lenders need to stay ahead in a rapidly evolving mortgage landscape. Hear from VantageScore leaders as they explore:

The Growing Momentum Behind Credit Score Competition
Get an insider’s look at how members of Congress are championing choice and innovation in mortgage credit scoring.

How VantageScore 4.0 Stacks Up
Review independent analyses from Bank of America, Bloomberg, and KBRA that showcase the model’s performance advantage over FICO Classic.

Operations and Implementation
What questions has FHFA and the GSEs answered and what operational decisions loom?

Live Demo: MarketGain Tool
See how VantageScore’s new MarketGain tool helps you identify emerging mortgage-ready consumers and untapped growth opportunities.

A multi-sector view of consumer behavior, underwriting shifts and emerging dynamics across securitized markets. Dr. Bandebo will provide insights into trends in consumer credit health, strains among certain higher income households, and what we are seeing with the resumption of student loan delinquency reporting.

With FHFA announcing that VantageScore will be allowed, brokers need to be prepared and understand what these changes mean for mortgages and homebuyers. Watch Brendan McKay, Chief Advocacy Officer at the Broker Action Coalition, speak with Tony Hutchinson, EVP and Head of Public Affairs at VantageScore, regarding the new VantageScore implementation.

Big News: FHFA Greenlights VantageScore 4.0-What It Means for Your Business

FHFA Director Bill Pulte announced that Fannie Mae and Freddie Mac will begin immediate acceptance of VantageScore 4.0 - a groundbreaking moment that will reshape the mortgage industry and open access to credit for millions of Forgotten Americans and provide a $1 trillion growth opportunity for mortgage originators.

To help you move quickly, we’re co-hosting a special webinar with leading fintech and mortgage verification provider Xactus, to unpack what this decision means for your business-and how to take action now.

Topics to be covered:

• Understand how VantageScore 4.0 improves inclusivity, predictiveness, and consistency
• Get actionable insights for integration, activation, and adoption
• Learn how it impacts origination, secondary market execution, and servicing

Discover how Community Development Financial Institutions (CDFIs) are leveraging cash-flow data to enhance application decisioning processes. This session highlights the experiences of lenders actively piloting the VantageScore 4^plus model, offering valuable insights into their implementation journeys, key challenges, and lessons learned.

This research-driven conversation offers a unique view into the evolving role of alternative data in supporting financial inclusion and improving credit access for underserved communities.

This is a must-attend event for residential mortgage-backed securities (RMBS) market participants, especially as the transition to VantageScore 4.0 becomes a regulatory and industry imperative. Don’t miss the opportunity to meet with our senior leadership - Anthony Hutchinson, Executive Vice President and Head of Public Affairs, and Jeff Richardson, Senior Vice President and Head of Marketing—to learn how VantageScore 4.0 supports a more inclusive, predictive, and future-ready secondary market. Reach out to schedule a meeting—we look forward to connecting!

Location:

New York Marriott Marquis

Lenders are operating in a new economic normal, where traditional risk assumptions no longer hold, and consumer credit behaviors are shifting in unprecedented ways. Unprecedented student loan delinquencies, inflationary pressures, and stubbornly high interest rates are reshaping borrower risk profiles, making it more challenging than ever to predict origination and portfolio performance. Join Dr. Rikard Bandebo, VantageScore’s EVP, Chief Economist, and Chief Strategy Officer, as he unpacks the macroeconomic forces defining this new era and how they are impacting credit scores, lending decisions, and credit risk management. With the resurgence of repayment challenges and evolving consumer spending patterns, understanding these trends is essential for lenders aiming to protect profitability and maintain a competitive edge.

In this transformed landscape, innovation in credit scoring and risk modeling is no longer optional—it’s essential. Dr. Andrada Pacheco, VantageScore’s EVP and Chief Data Scientist, will reveal cutting-edge advancements in credit analytics that help lenders anticipate shifts in borrower behavior and stay ahead of emerging risks. From enhanced use of trended credit data to new approaches in risk segmentation, this session will equip financial institutions with the tools needed to thrive in an era of uncertainty. As market volatility continues, lenders who embrace forward-looking insights and next-gen risk assessment will lead the industry—those who don’t risk being left behind. Don’t miss this opportunity to gain a competitive advantage and redefine your approach to credit risk at CBA LIVE.

VantageScore Chief Strategist and Chief Economist Dr. Rikard Bandebo will team up with the Equifax Advisory team to dive into the following topics:

• Optimizing account originations
• Delinquency rates and student loans
• Reviewing accounts

On Monday. October 28 at 3 p.m., Dr. Rikard Bandebo, EVP, Chief Strategy Officer and Chief Economist at VantageScore, is participating in a panel at the 2024 Mortgage Bankers Association Conference in Denver, CO titled “MARKET OPPORTUNITIES AND OPERATIONS TRACK: Tips to Prepare and Adapt to New Credit Scoring Models.”

Achieving a new milestone in the implementation of new and more inclusive credit scores for mortgages, the Federal Housing Finance Agency (FHFA) has released a historical mortgage loan data set now appended with VantageScore 4.0 credit scores. This pivotal development aligns with FHFA’s strategic plan to implement updated credit scores, opening new doors for mortgage industry professionals.

Join us for an exclusive webinar hosted by VantageScore, where we will discuss the importance of this data set and demonstrate how you can leverage it to enhance risk assessments and expand homeownership opportunities. Don’t miss this chance to stay ahead of the curve and integrate VantageScore 4.0 into your lending practices.

Come prepared to learn about the VantageScore 4.0 credit scoring model: the value of trended data, what goes into the VantageScore 4.0 credit score, and how the score works.

FHFA has responded to industry calls for a rich database of historical mortgage loans with VantageScore 4.0 credit scores to enable market participants to research and recalibrate their models.

On March 28th, 2024, VantageScore will host a webinar to update the industry on discussions regarding the data and recent stakeholder forums where lenders are providing feedback on the implementation process.

Additionally, VantageScore will provide an insightful presentation about the state of credit health of the American consumer and how a volatile credit environment is impacting mortgage originations and delinquencies.

In this session you will learn:

• The status of the implementation of VantageScore 4.0 for mortgages delivered to the GSEs and the details around a historical data set of loans
• A real-time update on the credit health of American consumers and the impact on mortgage originations and delinquencies
• How to pilot VantageScore 4.0

Lenders are currently struggling with an increase in delinquencies across many products and reduced demand from high interest rates. The good news is that by empowering consumers to leverage their own bank account data for an underwriting decision, lenders can increase their addressable market, reduce risk and drive financial inclusion. Learn about the next big thing in lending from Dr. Rikard Bandebo, EVP and Chief Product Officer at VantageScore and see first-hand how low friction, consumer permissioned data can be accessed and used in loan applications.

In this session you will learn:

• Why consumer permissioned bank data is no longer a fad but a scalable strategy;How regulators are viewing the use of consumers’ bank account data;
• How banks and Fintechs can lean into consumer empowerment and win!

Examining algorithmic systems is a must to ensure technologies can both spur economic development and provide real benefits to people and communities. VantageScore has enjoyed a decades-long partnership with groups working to use data in novel ways to expand credit markets to serve more consumers. But using consumers’ data comes with huge responsibilities to ensure the data being used to develop systems is appropriate, the systems themselves are trustworthy and do not harm people, and that risks presented by these systems are effectively managed and mitigated. Learn more about how corporations on technology’s cutting edge are using tools to ensure technological innovations don’t hit the marketplace untested, mitigate societal harms, and work for alignment with new policies developed by the White House and other federal agencies.

With the upcoming credit score changes on the horizon, lenders need to understand how the VantageScore4.0 model performs over time with different cohorts of loans. Join this session to obtain foundational information on tools and resources that can be used to support your analysis.

FHFA has initiated Phase 2 of the process to implement new credit score models in the secondary mortgage market. This new phase of engagement includes forums for stakeholders to discuss: 1. The Historical Dataset the GSEs plan to release to the market, and 2: The Implementation milestones for FHFA’s mandate.

On November 28th, VantageScore will host a webinar to update the industry on discussions regarding the effective implementation of VantageScore 4.0 in the mortgage ecosystem. We will share our view of the discussion and offer solutions designed to help your organization prepare to effectively execute the mandate on Day 1 execution.

What you will learn:

• The status of the implementation of VantageScore 4.0 for mortgages delivered to the GSEs
• Solutions to implementation issues raised during Stakeholder / FHFA discussions
• How to get ahead of the changes

With student loan forbearances recently ending, new pressure is now on consumers amidst broader economic volatility.

How are scores impacted? And, as a journalist, what resources do you have at your fingertips to indicate consumer credit health?

Jeff Richardson, Senior Vice President of Marketing and Communications at VantageScore, will review the latest consumer credit insights from VantageScore’s CreditGauge tool and show attendees how to use CreditGauge themselves to write stories and cover the U.S. consumer credit industry.

VantageScore will host a webinar to update the industry on the progress that FHFA and the GSEs have made toward implementing the new credit score models. We will share the view of Congress on this initiative as well as ideas on how your organization can begin preparing for Day 1 execution right now.

What you will learn:

• The status of the implementation of VantageScore 4.0 for mortgages delivered to the GSEs
• How Congress is engaging and monitoring the implementation
• How to get ahead of the changes

How can new data and advanced analytic techniques responsibly move the dial to create a more expansive and inclusive marketplace for mortgage finance? This discussion will highlight the path forward of leveraging “two credit scores,” Vantage Score, and help us understand the groundbreaking changes this will bring to affordability and accessibility in a difficult market. Progress!

Consumer credit industry innovators VantageScore and Klarna will join forces to discuss the future of credit scoring and how using more inclusive and predictive data sets will drive greater risk insights and more equitable consumer lending.

The discussion will take place at Fintech Nexus in New York City on May 10th at 4pm at the Jacob Javits Center. Panelists including Dr. Rikard Bandebo, Executive Vice President and Chief Product Officer at VantageScore, and Gali Heichal, Global Head of Payment Partnerships at Klarna, will speak to:

• The predictive and inclusionary benefits of alternative data and cash flow data
• Real world experience in how such data helps deliver value to customers
• Ensuring consumer permission and privacy

Join VantageScore’s Tony Hutchinson, Senior Vice President of Industry and Government Relations at SFVegas, the world’s largest capital markets conference in the world. Tony will be discussing how FHFA’s mandate that mortgage applications for loans funded by Fannie Mae and Freddie Mac include VantageScore 4.0 credit will enhance risk insight and financial inclusion.

THINGS WILL NEVER BE THE SAME.

Learn how permanent shifts in demographics and technology innovations will reshape how the consumer credit market works. Silvio Tavares, President & CEO of VantageScore, shares how consumers are handling their credit accounts as economic headwinds and inflation persist, and then discusses three major permanent changes to the U.S. credit markets:

1. Financial Inclusion — The Key New Driver for Payments Growth and Credit Growth
2. Big Tech – Becomes the Key Driver of Consumer Credit Usage
3. Alternative Data – Consumers Provide Alternative Data to Deliver Open New Sources of Credit and Payments Volume

With economic headwinds ahead, how do lenders continue to drive financial inclusion? Today’s analytic tools provide up-to-date, digital access to critical insights that help consumer banking executives monitor risk and macro-economic trends and uncover previously underserved consumers by geographic market. By leveraging self-service tools, lenders can reach new markets, manage risk and drive positive credit outcomes for their customers. In this webinar, VantageScore leaders discussed the latest data regarding the state of consumer credit health, and how to use new digital tools available that the company launched this year including Inclusion 360™, Risk Ratio™ and Credit Gauge™.

Serving as one of the most important structured finance industry conferences, the ABS East 2022 gathering included a delegation of more than 4,000 structured finance professionals. Now in its 28th year, ABS East has solidified its place as the must-attend Fall gathering of the securitization industry, offering beneficial market insights with actionable takeaways.

How can new data and advanced analytic techniques responsibly move the dial to create a more expansive and inclusive marketplace for mortgage finance? This discussion will highlight the path forward of leveraging “two credit scores,” Vantage Score, and help us understand the groundbreaking changes this will bring to affordability and accessibility in a difficult market. Progress!

Consumer lending chief risk officers and policy makers can join this critically informative webinar where you will hear from experts from the Department of Education and VantageScore who will explain the Fresh Start program and discuss how student loan relief programs could impact VantageScore credit scores.

Dr. Bandebo with discuss news tools and analytic approaches for not only discovering who is newly scorable but which consumers are newly “lendable.” He will share insights into how to discern risk profiles and find “diamonds in the rough” among populations of consumers that conventional models ignore

Let consumers opt-in before their data is shared. Give them the ability to pause participation in subscription-based loyalty programs when the need arises. And enable them to benefit more directly from the information about them accessed by advertisers and others. Newly emerging best practices are challenging the status quo around financial data.

Watch the presentation

Experts, Peter Maynard, SVP of Data and Analytics at Equifax, and Emre Sahingur, SVP of Predictive Analytics at VantageScore Solutions, explain the role of alternative data - information not found in traditional credit reports - in building a more inclusive financial system, and how more inclusive, fair, and accurate credit modeling can help find creditworthy members who would traditionally not be scorable.

Get information and insights - from VantageScore’s Jeff Richardson and Credit Builders Alliance’s CEO Dara Duguay - on the current state of rent reporting among affordable housing providers. Learn more about the evidence around the benefits of rent reporting for low income populations, the obstacles to rent reporting that still exist today, and the Federal government’s and HUD’s opportunities to help millions of individuals with poor or no credit participate in mainstream financial markets.