Post-Pandemic Credit Health

How are consumer credit scores shifting?


The Latest on Consumer Credit Health


To support lenders and users of VantageScore, we provide critical insights into how consumers are broadly performing. Below you can find national, state-level and risk tier insights informing you about how consumer credit scores are trending.

U.S. Consumer Average VantageScore® Credit Score Trend

U.S. Consumer Average VantageScore® Credit Score Trend

Transparency

Since its inception in 2006, VantageScore Solutions, LLC has taken steps to counter the secretive reputation that the credit score modeling industry had been known for and provide transparency to lenders and consumers. Whether it’s the annual model performance assessments that VantageScore publishes to help VantageScore model users adapt to market changes or the lead role we’ve played in helping consumers through education to understand credit scoring and the factors that affect creditworthiness, VantageScore’s commitment has been to share.

Timely Data

To support VantageScore model users and anyone with an interest in credit scoring models, VantageScore is now publishing a monthly update of key metrics that reflect the status of U.S. consumer credit trends and credit scores calculated with our models.

Average VantageScore® Credit Score by State
VantageScore® Risk Tiers Trends

VantageScore® Risk Tiers Trends
VantageScore® Risk Tiers Trends By Age Group and Income Class