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Get Credit Savvy
Get Credit Savvy
Find out what it takes to get credit, grow credit, and keep credit—and why it’s important. We created infographics, articles, and information to help you put your best foot forward!
In The News
July 11, 2025Homeownership Just Got Easier for Millions with Limited Credit History Thanks to VantageScore 4.0: VantageScore in Forbes
In The News
July 11, 2025VantageScore 4.0 is a Huge Opportunity for Homebuyers: VantageScore on the Schwab Network
In The News
July 11, 2025Millions More Creditworthy Americans Will Get a Fannie Freddie Mortgage Because of New Modern VantageScore: VantageScore CEO on Fox Business
In The News
July 11, 2025VantageScore Bursts onto the Mortgage Scene - VantageScore on Bankrate
In The News
July 9, 2025VantageScore 4.0 is A Major Step to Help New Homebuyers: VantageScore in Newsweek
In The News
July 9, 2025Millions More Creditworthy Americans Will Become Homeowners with VantageScore 4.0 - VantageScore CEO on Yahoo! Finance
In The News
July 9, 2025VantageScore 4.0 for Mortgages Could Help More People Buy Homes: VantageScore on Yahoo! Finance
In The News
July 8, 2025Fannie Mae and Freddie Mac Allow VantageScore 4.0 - VantageScore on National Mortgage News
In The News
July 1, 2025May 2025 CreditGauge™ Highlights Early-Stage Delinquencies, Potential Mortgage Trouble: VantageScore on Money Life with Chuck Jaffe
Creditgauge Report
June 26, 2025Rising Mortgage Delinquencies Point to Potential Credit Stress: May 2025 VantageScore CreditGauge™
In The News
June 20, 2025VantageScore Data Shows That Rent Reporting Can Positively Impact Credit Score: The New York Times
In The News
June 6, 2025Why Are US Consumers Boosting Credit Usage? VantageScore CEO on Yahoo! Finance
Digital Tools
May 28, 2025April 2025 CreditGauge shows that fears drove April auto, mortgage borrowing - VantageScore on National Mortgage News
Mortgage Industry News Trends Regulations
May 28, 2025Community Home Lenders of America Call on the FHFA to Implement VantageScore
Creditgauge Report
May 28, 2025Tariffs Ramp Up Auto Credit, Originations Exceed Pre-Pandemic Highs: April 2025 VantageScore CreditGauge™
In The News
May 2, 2025Student Loan Collection to Affect Millions of Credit Scores - VantageScore on ABC News
Consumer Credit News And Insights
April 30, 2025Teaching Credit Management and Responsibility to Young Adults – VantageScore on Bankrate
Market Adoption
April 29, 2025VantageScore Use in Mortgage Origination Jumps 166% – VantageScore on National Mortgage News
Models
April 22, 2025VantageScore 5.0 Enhances Predictive Power with Patent-Pending Attributes – VantageScore on National Mortgage Professional
In The News
April 22, 2025VantageScore 4plus Pilot Program Expands Open Banking Access – VantageScore on Open Banking Expo
In The News
April 17, 2025Consumers Remain Credit Healthy Amid Economic Uncertainty: VantageScore CEO on Yahoo! Finance
In The News
April 16, 2025The ‘Main Street’ and ‘Wall Street’ Consumer Credit Dynamic: VantageScore CEO on Bloomberg Businessweek
Consumer Credit Information Education Advice
April 11, 2025Make The Right Moves for Your Credit Score This Tax Season
In The News
April 3, 2025CreditGauge™ Highlights Auto Loan Delinquencies, Student Loans Driving Down Average Credit Scores: Money Life with Chuck Jaffe
In The News
March 28, 2025CreditGauge™ Shows More Americans Falling Behind on Car Payments: Investopedia
In The News
March 27, 2025Feb 2025 CreditGauge Shows Drop in the Average VantageScore Credit Score as Auto Sector Flashes Warning Signs: MarketWatch
In The News
March 11, 2025How Does Student Loan Repayment Impact Consumer Credit Scores? VantageScore’s Chief Economist on Yahoo Finance
In The News
March 11, 2025Will Consumers Keep Spending in 2025? VantageScore Chief Economist in the Wall Street Journal
In The News
March 5, 2025Money Life with Chuck Jaffe: CreditGauge™ Shows Credit Card Balances and Delinquencies on the Rise
In The News
February 27, 2025How Will Consumers’ Student Loan Repayment Habits Affect Their Credit Scores? – Bloomberg
Credit Industry News Regulations Trends
February 27, 2025VantageScore® Analysis Finds Benefits for Borrowers Who Resume Student Loan Payments, While Many Will See Lower Credit Scores
Consumer Credit Information Education Advice
February 12, 2025Swiping Right on Your Financial Match
In The News
January 9, 2025Here’s What Consumers Need to Know About Credit Card Defaults: Associated Press
Consumer Credit Information Education Advice
December 28, 202410 Tips From Experts To Help You Change Your Relationship With Money In 2025: Associated Press
Consumer Credit Information Education Advice
December 11, 2024Ringing in a New Year of Credit Health
Consumer Credit Information Education Advice
November 16, 2024Save Big on Black Friday Without Damaging Your Credit
Consumer Credit Information Education Advice
October 16, 2024Why Are Each of My Credit Scores Different?
Consumer Credit Information Education Advice
October 16, 2024Credit Utilization Ratio: The Lesser-Known Key to Your Credit Health
Student Loans
October 16, 2024Protect Your Credit Score: Know the Impact of Student Loan Delinquencies
Creditgauge Report
September 26, 2024Average Credit Balances Hit a Four-Year High in August. Will Borrowers See Relief Soon? August 2024 CreditGauge™
In The News
September 19, 2024As Fed Cuts Rates, When Will Borrowers See Relief? – Reuters
Creditgauge Report
August 27, 2024New “Credit Caution”? Delinquencies Jump, New Credit Growth Stalls: July 2024 CreditGauge™
Consumer Credit Information Education Advice
August 14, 2024Credit Scoring 101: Factors that Affect Your VantageScore Credit Score
Consumer Credit Information Education Advice
August 12, 2024Ace Your Back-to-School Shopping with Good Credit Health
Creditgauge Report
July 30, 2024Banks Expect Growth. Will Consumers Keep Spending? June 2024 CreditGauge™
Consumer Credit Information Education Advice
July 17, 2024Travel Smarter: Use the Right Card for Your Adventures
Credit Industry News Regulations Trends
July 9, 2024Bridging the Gap to Homeownership: FHLBank Chicago Now Accepts Mortgage Collateral Using VantageScore 4.0
About Vantagescore
July 3, 2024U.S. News and World Report: What is a VantageScore?
Creditgauge Report
June 27, 2024The Credit Gap, Consumer Credit Diverged: May 2024 CreditGauge™
In The News
May 30, 2024There Are Some Good Signs Regarding Americans’ Credit: MarketWatch
In The News
May 30, 2024The Rise in Consumers’ Late Debt Payments Is Slowing Down: WSJ
Consumer Credit Information Education
May 23, 2024How VantageScore Helps U.S. Military Service Members Establish Credit
Consumer Credit Information Education Advice
May 23, 2024Don’t Let Newlywed Bliss Become Financial Woe: 4 To-Dos Before You Say “I Do”
Lending Industry News Regulations Trends
May 20, 2024Auto lenders’ use of VantageScore grew more than 34 percent overall in 2023: Automotive News
In The News
May 20, 2024Making a More Inclusive Mortgage Marketplace: FormFree Upgrades to VantageScore Credit Scoring Models in Passport Wallet
In The News
May 10, 2024Could Your Buy Now, Pay Later Loans Affect Your Credit Score? Here’s What You Need to Know: CNBC
Managing Credit
April 23, 2024Take These 4 Steps to Clean Up Your Financial House
In The News
April 18, 2024A Golden Age of Credit-Scoring Innovation: VantageScore President and CEO Silvio Tavares on “The Innovator’s Exchange” Podcast
Consumer Credit Information Education Advice
April 16, 2024Shedding Light on Why More than 67,000 Minneapolis Residents are Currently “Credit-Invisible”
In The News
April 5, 20241.2 Million More Americans Became ‘Subprime Borrowers’ in February: Money
Consumer Credit Information Education Advice
March 21, 20244 Ways to Establish Credit if You Are Credit Invisible
In The News
March 20, 2024How Will the Fed’s Next Moves Impact Your Money? VantageScore’s Silvio Tavares on CNBC
Credit Industry News Regulations Trends
March 12, 2024Why Is the VantageScore Prime Credit Tier Shrinking? Silvio Tavares, VantageScore President and CEO on Yahoo! Finance
Mortgage Industry News Regulations Trends
March 7, 2024New Rules for Scoring Mortgage Borrowers Coming in Q4 2025
Credit Industry News Regulations Trends
February 13, 2024Money Life with Chuck Jaffe: CreditGauge™ Data Points to Consumer Credit Hangover
Mortgage Industry News Regulations Trends
February 13, 2024National Mortgage News: Federal Home Loan Bank of San Francisco adds VantageScore
Credit Scores Reports
January 16, 2024In One of America’s Largest Cities, Almost 60,000 Residents Are ‘Credit Invisible.’ Why?
In The News
January 9, 2024HousingWire: VantageScore 4.0 Adoption Helps “Reduce Costs and Increase Equity”
Consumer Credit Information Education
December 8, 2023Thinking About Applying for a Loan? Shop Around to Find the Best Offer!
Consumer Credit Information Education
December 6, 20235 Mistakes Gen Zs make when it comes to credit
Consumer Credit Information Education Advice
December 5, 2023Yule tools: 5 tips for dodging a holiday credit hangover
Credit Cards And Loans
December 4, 2023National Mortgage News: Subprime mortgage delinquencies drift higher than last year
Consumer Credit Information Education Advice
December 1, 2023Protect your credit while shopping this holiday season
Credit Cards And Loans
November 14, 2023Navigating Federal and Private Student Loans: Understanding Options for Different Borrowers
Consumer Credit Information Education Advice
November 7, 2023Financial Literacy for Teens: 5 Ways Young Adults Can Learn Good Money Habits
In The News
November 6, 2023Black Friday Deals Are Less Than 3 Weeks Away… How are Consumers Faring?
Consumer Credit Information Education Advice
November 1, 2023Credit Health Basics: Test Your Expertise with VantageScore’s New Quiz
Lending Industry News Regulations Trends
October 12, 2023Understanding the Economic and Social Impact of Student Loans
Student Loans
October 11, 2023Student Loan Forgiveness News: Unpacking the $9 Billion Debt Cancellation and Other Paths to Relief
Student Loans
October 6, 2023The New York Times: It’s Time to Pay Your Student Loans. What Happens if You Fall Behind?
Consumer Credit Information Education Advice
October 3, 2023Managing Student Loans for Better Credit Health
Student Loans
September 26, 2023What is the SAVE Plan for Student Loans? Navigating Federal Student Loan Repayment
Student Loans
September 19, 2023Student Loan Payments Restart in October: 7 Things Borrowers Should Do to Prepare
Consumer Credit Information Education Advice
September 14, 2023Student Loan Repayment 2023: VantageScore Unveils a Repository of Federal Student Loan Payment Resources
Consumer Credit Information Education Advice
September 8, 2023Is Age a Factor in Your Credit Score?
Student Loans
September 7, 202339 Answers to Student Loan Questions
Consumer Credit Information Education Advice
August 18, 2023Nerdwallet: Don’t let your credit scores retire
Credit Industry News Regulations Trends
August 18, 2023Money Life with Chuck Jaffe: June CreditGauge™ Data Showed Increase in New Originations Across All Products
Mortgage Industry News Regulations Trends
August 17, 2023National Mortgage News: “Will two newer credit scores beat a single older one for mortgages?”
Credit Score Accuracy
August 16, 2023Broader VantageScore® Adoption in New Orleans, LA Could Increase Economic Opportunity for Close to 50,000 Residents
Consumer Credit Information Education Advice
August 9, 2023Why are my credit scores constantly changing? Demystifying credit score migration
About Vantagescore
July 12, 2023Kimberly Schmid Joins VantageScore as Executive Vice President and General Counsel
Consumer Credit Information Education Advice
July 10, 2023SCOTUS Federal Loan Forgiveness and Your Credit Score: Silvio Tavares, VantageScore® CEO speaks on Bloomberg TV
Credit Score Accuracy
June 30, 2023New VantageScore® Research Shows Credit Score Impact of the End of Federal Student Loan Forbearance
Financial Inclusion
June 21, 2023Yahoo! Finance: Lenders Turn to VantageScore to Find More Borrowers
Credit Cards And Loans
June 15, 2023MarketWatch: Missing Even One Student Loan Payment Can Seriously Impact your Credit Score
Consumer Credit Information Education Advice
June 13, 2023Vox: How to Prepare for the Return of Student Loan Payments
Credit Industry News Regulations Trends
June 7, 2023MAJOR CREDIT SCORE NEWS: New Federal Debt Ceiling Law Ending Student Loan Forbearance to Impact Credit Scores
Credit Cards And Loans
June 6, 2023FAQs for the Student Loan “Fresh Start” Program
Consumer Credit Information Education Advice
April 17, 2023VantageScore Highlighted as Key Innovator in the Consumer Finance Industry
Consumer Credit Information Education Advice
November 17, 20224 Smart Practices to Protect Your Credit Score
Mortgage Industry News Regulations Trends
October 25, 2022FHFA Approves VantageScore® 4.0 for Use in GSE Mortgage Lending
Consumer Credit Information Education Advice
October 19, 2022Can Inflation Impact Your Credit Score?
Consumer Credit Information Education Advice
October 17, 20226 Signs You’re Using Your Credit Card Responsibly
Consumer Credit Information Education Advice
October 17, 2022How to Check Your Credit Score
Consumer Credit Information Education Advice
October 14, 20223 Things Going Out of Credit Style
Consumer Credit Information Education Advice
October 6, 20226 Most Effective Ways to Build Your Credit Score
Consumer Credit Information Education Advice
October 6, 2022Medical debt ruined her credit. ‘It’s like you’re being punished for being sick’
Consumer Credit Information Education Advice
September 27, 2022Lots of People Have Credit Problems. How Advisors Can Help.
Consumer Credit Information Education Advice
September 22, 2022Lots of People Have Credit Problems. How Advisors Can Help.
Credit Industry News Regulations Trends
September 22, 2022Student Loan Borrowers Get A ‘Fresh Start’
Credit Industry News Regulations Trends
August 31, 2022Will Student Loan Forgiveness Impact VantageScore® Credit Scores?
Consumer Credit Information Education Advice
August 17, 2022UPDATE: Department of Education Announces “Fresh Start” Program Details
Consumer Credit Information Education Advice
August 17, 2022How to Deal With Medical Bills on Your Credit Report
Credit Industry News Regulations Trends
August 15, 2022Major credit score provider will no longer count medical debt
Lending Industry News Regulations Trends
August 12, 2022VantageScore Excluding Medical Bills from Credit Scores
Credit Industry News Regulations Trends
August 12, 2022VantageScore will reportedly drop medical debt from credit score consideration
Credit Cards And Loans
August 10, 2022MAJOR CREDIT SCORE NEWS: VantageScore Removes Medical Debt Collection Records From Latest Scoring Models [update]
Credit Industry News Regulations Trends
August 10, 2022VantageScore Takes Steps to Further Support Consumers Affected By Medical Debt Collections
Credit Industry News Regulations Trends
August 2, 2022Gen Z is racking up credit card debt almost three times as fast as everyone else as inflation sinks in
Credit Score Accuracy
August 2, 2022Who uses VantageScore® Credit Scores? New Report Shows Major Surge in Lender Adoption
Consumer Credit Information Education Advice
July 18, 2022A ‘Fresh Start’ for Student Loans in Default… So What Will Happen to Credit Scores?
Credit Industry News Regulations Trends
July 6, 2022How will changes in how medical collection accounts get reported impact credit scores?
Consumer Credit Information Education Advice
May 31, 2022Why Are My Credit Scores Different?
Consumer Credit Information Education Advice
May 20, 2022How to Raise Your Credit Score in 30 Days
About Vantagescore
April 22, 2022Competition among credit score companies is good for housing equality
Credit Industry News Regulations Trends
March 18, 2022Protecting Consumer Credit Scores From Medical Debt Collections
About Vantagescore
March 1, 2022VantageScore Appoints Bill Sakkab as Executive Vice President and General Counsel
Consumer Credit Information Education Advice
December 7, 2021Rent and Utility Payment Data Improve Credit Scores for Underserved Consumers According to VantageScore Study
Financial Inclusion
December 6, 2021Credit with a Conscience Fact Sheet
In The News
November 29, 2021Mining Data to Uncover Worthy Borrowers Shut Out by Credit Scores
Consumer Credit Information Education Advice
November 24, 20214 expert tips to protect yourself from credit scams
Credit Score Accuracy
September 29, 20213 credit factors that might affect your auto & homeowner’s insurance premiums
Consumer Credit Information Education Advice
July 29, 20215 QUESTIONS with Credit Expert John Ulzheimer
Consumer Credit Information Education Advice
July 29, 2021DID YOU KNOW: How Should I Pay For My Summer Travel?
Consumer Credit Information Education Advice
July 27, 20213 ways credit plays into mortgage refinancing
Consumer Credit Information Education Advice
July 27, 2021Lee Huffman, Founder of BaldThoughts Blog
Consumer Credit Information Education Advice
July 23, 20215 Financial Tips to Help You School Adulting
Credit Industry News Regulations Trends
July 12, 2021Jim Park, CEO & Partner of The Mortgage Collaborative
Consumer Credit Information Education Advice
June 25, 2021DID YOU KNOW?: How to spend that tax refund
Consumer Credit Information Education Advice
June 22, 2021Three strategies to battle your biggest debts
About Vantagescore
May 25, 2021Average National VantageScore® Credit Score Continues to Increase to 694; Up Six Points from Early Pandemic Levels
Consumer Credit Information Education Advice
May 24, 2021Reduce your credit carb intake with these tips
Mortgage Industry News Regulations Trends
May 24, 2021Part 1 & 2: Kara Ward, Partner at Holland & Knight
Credit Industry News Regulations Trends
May 20, 20215 Questions with Sara Rodriguez, NAHREP President
Consumer Credit Information Education Advice
May 20, 2021DID YOU KNOW: Do All Credit Reports Have a Credit Score?
Consumer Credit Information Education Advice
April 16, 20215 Questions with Yanely Espinal, YouTube finance coach
Consumer Credit Information Education Advice
April 1, 2021Pursuing a mortgage with ‘less-than-perfect’ credit
Consumer Credit Information Education Advice
March 31, 2021Business credit scores: 6 things every entrepreneur should know
Consumer Credit Information Education Advice
March 29, 2021Part 1 & 2: Yanely Espinal, Creator of MissBeHelpful
Uncategorized
March 19, 20215 QUESTIONS WITH…Dhani Jones, host of “The Game Plan”
Consumer Credit Information Education Advice
March 19, 2021DID YOU KNOW: How a major change in your credit score can occur?
Mortgage Industry News Regulations Trends
March 5, 2021Fannie, Freddie’s old FICO standards squeeze millions of would-be homebuyers
Consumer Credit Information Education Advice
March 1, 2021Santa Rosa’s Exchange Bank Calling On Teens To Say How To Save Money
Mortgage Industry News Regulations Trends
February 18, 2021Svenja Gudell, Chief Economist at Zillow
Consumer Credit Information Education Advice
February 11, 20214 Ways to Become Credit Visible
Consumer Credit Information Education Advice
February 9, 2021New CNN web series from VantageScore to help those financially hit by COVID-19
Consumer Credit Information Education Advice
January 15, 2021Did you know?: Top 5 New Year’s Financial Resolutions
Uncategorized
January 15, 20215 Questions with Lynette Khalfani-Cox
Credit Scores Reports
November 25, 2020Jumping on the real estate boom? Do your homework first
Consumer Credit Information Education Advice
November 17, 2020DID YOU KNOW?: What Happens to Your Credit Score When You Refinance Your Mortgage?
Consumer Credit Information Education Advice
November 17, 20205 QUESTIONS WITH: Jay Moon, General Manager, Credit Sesame
Consumer Credit Information Education Advice
November 13, 2020The smart guide to personal finance in a post-COVID world
Credit Score Accuracy
November 12, 2020Bonus Episode: COVID-19 & Cyber Security
Consumer Credit Information Education Advice
October 29, 2020Understanding Your Credit Score + How it Changes
Consumer Credit Information Education Advice
October 28, 2020Get to know your credit score
Credit Industry News Regulations Trends
October 26, 2020Part 2: Adam Levin, Founder and Chairman of CyberScout and Credit.com
Consumer Credit Information Education Advice
October 26, 2020Part 1: Adam Levin, Founder and Chairman of CyberScout and Credit.com
Consumer Credit Information Education Advice
October 26, 2020Did you know: What if my retailer has gone out of business?
Credit Score Accuracy
October 26, 2020Gerri Detweiler, Head of Education at Nav
Credit Industry News Regulations Trends
September 15, 2020AMEX Launches ‘Score Goals’
Consumer Credit Information Education Advice
August 12, 2020Did you know: What to do if your credit card issuer lowers your credit limits
Consumer Credit Information Education Advice
July 16, 2020The Path to a Free Credit Score Online
Credit Industry News Regulations Trends
July 16, 2020Financial Product Could Help Consumers Build Credit
Credit Cards Reports
July 13, 2020“Five Questions With…” Peter Esparrago
Consumer Credit Information Education Advice
June 22, 2020PODCASTS: Expert POVs on What 2020 Will Bring
About Vantagescore
June 22, 2020Our new partnership with LendingTree.com
Consumer Credit Information Education Advice
June 22, 2020YOUR PERSONAL INFORMATION: A closer look
Consumer Credit Information Education Advice
June 22, 2020Findings from the new consumer survey
Consumer Credit Information Education Advice
June 22, 2020DID YOU KNOW?: What is the function a credit score serves?
Consumer Credit Information Education Advice
June 22, 2020DID YOU KNOW: How to Correctly Interpret Credit Risk in an Economic Downturn
Consumer Credit Information Education Advice
June 22, 2020COVID-19’s impact on Millennials
Credit Industry News Regulations Trends
June 22, 2020VantageScore videos and podcasts
Uncategorized
June 22, 20205 Questions with Upturn’s Rod Ebrahimi
Consumer Credit Information Education
June 22, 2020Equifax , Experian and TransUnion Announce Free Weekly Credit Reports to Help Americans in Response to COVID-19
Consumer Credit Information Education Advice
June 22, 2020How the CARES Act Protects Your Credit Reports and Credit Scores
About Vantagescore
June 22, 2020VantageScore Podcast w/ the “Personal Profitability” Blog
Consumer Credit Information Education Advice
June 21, 2020DID YOU KNOW: What happens when you apply for a loan
Financial Inclusion
June 11, 20205 Questions with Mark Alston
Consumer Credit Information Education Advice
May 16, 2020VantageScore credit scores and the COVID-19 pandemic
Consumer Credit Information Education Advice
May 15, 2020FAQ: VantageScore credit scores and the COVID-19 pandemic
Credit Industry News Regulations Trends
April 27, 2020Eric Rosenberg, Founder of PersonalProfitability.com and Financial Blogger
Consumer Credit Information Education Advice
February 28, 2020Building credit at 18: Tips for a solid financial foundation
Consumer Credit Information Education Advice
February 28, 20205 Things You Need To Do Before You Buy A New Home
Consumer Credit Information Education Advice
January 2, 20206 Steps Millennials Can Use to Build Credit Right Now
Consumer Credit Information Education Advice
October 11, 2019The Complete Guide to Your VantageScore
Managing Credit
July 29, 2019How to discuss money with your date
Managing Credit
July 2, 2019How to improve your credit score before applying for a mortgage