Average Consumer Credit Health Remained Stable in May with a 702 VantageScore Credit Score; VantageScore Superprime and Subprime Segments Continued to Expand While the VantageScore Prime Segment Shrank |
Overall Early-Stage Delinquencies Rose in May 2024 after Two Months of Sequential Declines; Mortgage Delinquencies Unexpectedly Climbed |
Gen Z Credit Health Continued to be Impacted by Rising Rents, High Interest Rates and Growing Credit Balances |

What Is CreditGauge?

Consumer credit industry stakeholders need timely data insights and analysis in order to inform decisions and strategies, a function that becomes even more challenging as the macroeconomic climate becomes increasingly volatile.
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CreditGauge Data Dictionary

Average VantageScore® 4.0 Credit Score

The average VantageScore® credit score provided in this analysis is a monthly average and it is compared to the same period prior year to measure change.

Products

The products included in this analysis are: Auto (Loans + Leases), Mortgage, Credit Card, and Personal Loan.

Delinquency Rates

Delinquency rates are calculated as a percentage of DPD (Days Past Due) balance compared to total open and active balance. Delinquency buckets provided are 30 – 59 DPD (Days Past Due), 60 – 89 DPD (Days Past Due), and 90 – 119 DPD (Days Past Due).

Utilization Rate / Balance-To-Loan Ratio

BTL ratio reflects the average consumer balance-to-loan amount on open and active accounts in Auto, Personal Loan and Mortgage products. Credit Card Utilization rate is the sum of all outstanding balances divided by the total credit limits.

Percentage of newly opened accounts

The percent of newly opened accounts reflects the percentage of consumers that had at least one account opened in the past month.

Age Groups

The Age Groups used in this analysis are industry standards. Silent (1928-1945), Boomers (1946–1964), Gen X (1965–1980), Millennials (1981-1996), and Gen Z (1997 +).

Notice to Users

NOTICE TO USERS: All data and information provided in and by CreditGauge powered by VantageScore™ is for informational purposes only and should not be relied upon for financial, marketing, legal, technical, or other purpose or advice. Users are responsible for compliance with all applicable laws and regulations when using such data and information, including fair lending laws. Depictions of default levels are not a guarantee of any future performance.

Please review Terms of Use before using or accessing CreditGauge. CreditGauge is provided ‘’as is’’ and on an ‘’as-available’’ basis. VantageScore has no obligation to update any of the data and information provided in and by CreditGauge.

The information and data provided in and by CreditGauge (other than third-party information) and their arrangement, are copyright ©2024 by VantageScore Solutions, LLC. All rights reserved. Subject to the Terms of Use, CreditGauge and the information contained herein may be used solely for personal, informational, and noncommercial purposes or, if you are a VantageScore-authorized entity, for internal business purposes. Except as otherwise provided, you may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any pages, data, information, software, products, or services obtained from or through CreditGauge unless you have obtained the prior written permission of VantageScore.

Views and Opinions: CreditGauge represents the views and opinions of VantageScore and does not necessarily reflect or represent the views and opinions of its affiliates and owners including the Nationwide Credit Reporting Agencies (NCRAs - TransUnion, Equifax, and Experian).