Best Vantagescore Podcasts (2024)

1
Is Consumer Credit Health Proving Resilient? 6:15

23d ago6:15

6:15

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? At…

1
What Are the Root Causes of Financial Exclusion? 14:08

1M ago14:08

14:08

Through exploitative interest rates of up to 600%, predatory lenders extract an estimated $9 billion from consumers each year – often from low-income communities of color and other populations unable to access the credit they need. We know what financial inclusion is, and why it’s important. But what creates ‘financial exclusion’ to begin with, and…

1
What's Next for the Housing Market? 14:59

3M ago14:59

14:59

Whether you’re a renter or a homeowner, you likely have already had to contend with some of the challenges of the current housing market. While buyers and current homeowners faced persistently high mortgage rates and low housing supply in recent years, renters also faced steep cost increases in many markets. Will 2024 be more of the same? Selma Hep…

1
Reasons for Optimism: A 2024 Consumer Credit Outlook 17:32

3M ago17:32

17:32

Originations across many product types – mortgage, credit cards, and the like -- were all lower in 2023 than the year prior. Historically high interest rates pinched consumers and made it less appealing to open new lines of credit. Will 2024 be more of the same? What can consumers and lenders alike expect in the coming year? Is the economy’s elusiv…

1
Consumer Credit Health in 2024 9:45

4M ago9:45

9:45

Spending 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 reveal…

1
Are Consumers Confident in 2024? 14:57

5M ago14:57

14:57

Recent news headlines indicate that consumers shopped big this past holiday season, and retail numbers, on the surface, appeared to be up. But given notable economic pressures like record-high inflation, how much of that was just paying ‘more’ for ‘less’? And how can consumers make sure they’re getting the best possible deal when using credit? This…

1
Who Makes the Credit Invisible ‘Visible’? 12:34

6M ago12:34

12:34

In 2023, consumers balanced various financial challenges: the lingering effects of record inflation, rising credit card balances, and student loan payment resumption, among others, leaving many to explore financial products that help make changing personal budgets more manageable. In the same year, credit unions stepped in to fill gaps created by l…

1
5 Tips for Dodging a Holiday Credit Hangover 3:06

6M ago3:06

3:06

All the glitz, glamour, gatherings and good tidings over the holidays can easily make you forget your disposable income has limits. Who wants to think about overspending when the jingle bells are rocking, the mistletoe is beckoning, peace and goodwill to men abound and the gifts are flowing like sweet, rich hot chocolate? As long as you plan ahead,…

1
Are Fintechs Driving the Reporting of Rent Payments? 13:12

7M ago13:12

13:12

As many outlets are currently reporting, in many parts of the United States, renting is now far cheaper than buying property. Various economic factors like interest rate hikes and rising costs have created a housing system in which many Americans are renting. But does being excluded from homeownership preclude renters from using those payments to b…

1
5 Mistakes Gen Zs Make When it Comes to Credit 3:24

7M ago3:24

3:24

If you’re part of Gen Z, you’ve probably heard enough of grumpy Baby Boomers, Gen Xers and Millennials grumbling about how lazy the kids are these days or how the younger generation doesn’t have a work ethic or has a sense of entitlement. Yes, it’s true the older generations, who grew up at a time when college cost a fraction of what it costs today…

1
What can $340 billion buy? 14:55

7M ago14:55

14:55

$340 billion. That figure was the commitment offered by corporations looking to help address historical injustices in American society and help close the racial wealth gap in the wake of the death of George Floyd. This week, Donovan Duncan joins The SCORE to explore where corporations and communities currently stand with regard to making good on th…

1
Pursuing a Mortgage with “Less-Than-Perfect” Credit 4:37

8M ago4:37

4:37

Owning a home is the cornerstone of the American dream. There’s nothing like having a permanent plot of land you can call your own. But, if you’ve hit a rough patch with your credit score, this dream might feel like it’s out of reach. However, finding a suitable mortgage with a “less than perfect” credit score is still possible. Listen in to learn …

1
How Can Financial Inclusion Be Measured? 16:22

8M ago16:22

16:22

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 …

1
Finance for Teens: 5 Ways Young Adults Can Learn Good Money Habits 4:16

8M ago4:16

4:16

If you’re a tween or teen trying to earn money or save for a goal, it can be hard to sort out the mixed messages about money you hear from the media, your friends — and even your family. Sometimes parents don’t like talking about money matters, or they may not always practice what they preach. How can you be smart about your own money? It's never t…

1
The Surprising Correlation between Financial Planning and Well-being 12:49

9M ago12:49

12:49

Do health and wealth go hand in hand? Financial issues are commonly considered one of the primary sources of stress for many people and money is a well-documented reason for divorce, for instance. But is there a real link between the two? And do your current money habits spell trouble for your long-term health? To help answer these questions, Dr. S…

1
The Top 10 Student Loan Questions and Answers 5:43

9M ago5:43

5:43

One of the most significant developments to hit consumer pocketbooks is the requirement that they begin repaying federal student loans after payments were deferred during the COVID-19 pandemic, as a way of providing financial relief. Payments and interest on Federal Student Loans re-started on September 1, 2023. The Biden Administration has also in…

1
Navigating Your Federal Student Loan Repayment Plan 18:10

9M ago18:10

18:10

This 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 …

1
What Are Credit Scores Actually Designed to Do? 3:32

9M ago3:32

3:32

Credit scores have become a ubiquitous and valuable component of lending and borrowing. They revolutionized underwriting by streamlining the process and permitting centralized lending, where a policy can be deployed with ease across a bank’s entire network of branches. But the one question that lenders that use scores, or consumers who are trying t…

1
Checking in on the Credit Builders Alliance/VantageScore Financial Inclusion Pilot Program 16:16

10M ago16:16

16:16

A 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 D…

1
4 Ways to Establish Credit if You Are Credit Invisible 3:01

10M ago3:01

3:01

Are you “invisible” when it comes to getting the credit you need? According to the Consumer Financial Protection Bureau (CFPB) there are approximately 45 million people in the U.S. who can’t get the credit needed advance their lives. These people are disproportionately from minority groups and are often people living in low-income neighborhoods wit…

1
8 Credit Score Myths Debunked 5:10

10M ago5:10

5:10

By VantageScore

1
BROADENING ACCESS TO HOMEOWNERSHIP: VantageScore 4.0 implementation for GSE-funded mortgages and the balance between expanding financial inclusion and risk management 13:53

10M ago13:53

13:53

Is 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 outsid…

1
Are Consumers Helped or Hurt by 'Credit Repair' Agencies? 13:28

11M ago13:28

13:28

We’ve all seen ads beckoning consumers to ‘FIX YOUR CREDIT’! But – is this possible, and perhaps more importantly – are consumers helped or hurt by ‘credit repair’ agencies? On this week’s episode of The SCORE, hear from Dan Smith, President and CEO of the Consumer Data Industry Association (CDIA). Beyond leading the CDIA, Dan Smith has over 20 yea…

1
The Impact of Installment Loans on Your Credit Score 3:30

11M ago3:30

3:30

By VantageScore

1
Credit Score Migration: What Lenders Need to Know 13:54

11M ago13:54

13:54

It'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…

1
3 Strategies to Battle Your Biggest Debt 4:38

11M ago4:38

4:38

By VantageScore

1
How is VantageScore providing lenders with transparency in a digital world? 9:33

12M ago9:33

9:33

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 popul…

1
3 Credit Factors That Might Affect Your Auto Insurance Premiums 3:36

12M ago3:36

3:36

By VantageScore

1
How do fintech companies balance innovation with the need to preserve competition and to expand financial inclusion? 20:56

12M ago20:56

20:56

What does the future of fintech actually look like? How do companies balance innovation with the need to preserve competition and to expand financial inclusion? Phil Goldfeder is the Chief Executive Officer at the American Fintech Council, a leading association representing responsible fintech companies creating critical access to safe and affordab…

1
5 Financial Vows Before You Say "I Do" 4:19

1y ago4:19

4:19

By VantageScore

1
How Will the End of the Federal Student Loan Forbearance Period Affect Consumers? 10:15

1y ago10:15

10:15

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 Vantage…

1
The Financial Habits of Millennials and Gen Z 11:20

1y ago11:20

11:20

Millennials and Gen Z have very specific financial habits. What drives these habits and how can lenders better serve the younger population? Kyle Woodley is the Editor-In-Chief of Young and the Invested, an online publication for young people who want to learn how to plan, manage, and invest their money with confidence. Kyle recently spoke with THE…

1
Building Credit at 18: Tips for a Solid Financial Foundation 3:54

1y ago3:54

3:54

By VantageScore Solutions

1
3 Ways Credit Plays into Mortgage Refinancing 3:45

1y ago3:45

3:45

By VantageScore Solutions

1
"Fairness as a Service": The Role of AI in Supporting Fair Lending Practices 16:54

1y ago16:54

16:54

Kareem Saleh, founder and CEO of FairPlayAI, has been working on financial inclusion and underwriting hard-to-score borrowers his entire career. He recently spoke with THE SCORE about the role artificial intelligence can play in supporting fair lending and how greater focus on fairness can actually drive revenue.…

1
How "LINKED" is Consumer Financial Health and Overall Wellness? ANSWER: They are inextricably tied. 12:28

1y ago12:28

12:28

Hear from Dr. Lisa Loury Lomas, Eastern Area Director, joined The Links, Incorporated about how the organization is addressing key challenges facing our underserved communities and how friendship and service can actually serve as a catalyst for change. THE SCORE spoke with Dr. Lomas, a renowned psychologist about The Links, Incorporated’s history a…

1
4 Smart Practices to Protect Your Credit Score 2:23

1y ago2:23

2:23

By VantageScore Solutions

1
Consumer Credit Health Remains Relatively Stable. So Why Are Lenders Pulling Back? 6:38

1y ago6:38

6:38

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 h…

1
While the banking industry becomes increasingly volatile, how do the digital commerce and fintech industries maintain momentum? 15:18

1+ y ago15:18

15:18

Hear from Dan Currell, CEO of the Digital Commerce Alliance, the premier, multi-industry trade association advancing the future of commerce through collaboration, education and standards in card-linking, mobile wallets and financial data. Dan joins THE SCORE to discuss the current challenges faced by the banking sector, AI’s promise, and how banks …

1
Is ChatGPT going to be making consumer loan decisions any time soon? 13:32

1+ y ago13:32

13:32

This question and other current fintech trends are discussed on the latest episode of THE SCORE Podcast. Hear from Mary Wisniewski, editor-at-large and director of content at Cornerstone Advisors. A journalist that’s been covering fintech for over a decade, Mary shares her insights into what types of fintechs are getting the most VC attention and w…

1
Is inflation and the rising cost of living causing consumers to miss payments? 9:21

1+ y ago9:21

9:21

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 dat…

1
What are the three most important issues facing the mortgage market? 10:38

1+ y ago10:38

10:38

Hear from Chrissi Johnson, founder and CEO of Alinement Advisors, a New York-based advisory firm that coordinates housing policy efforts at the intersection of commerce and social change. Chrissi spoke with THE SCORE about how she’s developing “salons” to collaborate and solve the mortgage industry’s most urgent challenges.…

1
Interested in learning about a bank with no maintenance fees? Us too! 11:26

1+ y ago11:26

11:26

Hear from Corey Carlisle, Head of Public Policy and Social Impact at Varo Bank. Corey spoke with THE SCORE about how Varo Bank structures its products and services to underserved consumers and how as a “tech-first” he works to tell the Varo story to policy makers.By VantageScore Solutions

1
New Credit Score Myths and Why You Shouldn't Believe Them 4:04

1+ y ago4:04

4:04

By VantageScore Solutions

1
The Value of Trended Credit Data 3:21

1+ y ago3:21

3:21

By VantageScore Solutions

1
Is alternative data really a game changer for credit scores? 9:24

1+ y ago9:24

9:24

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 mo…

1
How Your Credit Score is Likely to be Used This Holiday Season 2:58

1+ y ago2:58

2:58

By VantageScore Solutions

1
FHFA Approves VantageScore 4.0 for Use in GSE Mortgage Lending 3:17

1+ y ago3:17

3:17

By VantageScore Solutions

1
Are consumers going to spend as they did last year this holiday season? 10:55

1+ y ago10:55

10:55

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 tra…

1
3 Things Going Out of Credit Style 3:06

1+ y ago3:06

3:06

By VantageScore Solutions

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