SAN FRANCISCO--(BUSINESS WIRE)--Apr 10, 2026--
VantageScore today announced a significant new release for VantageScore RiskRatio™, the credit risk analytics tool designed to help mortgage, auto lenders and ABS investors benchmark, compare and act on consumer credit default risk. VantageScore’s suite of open-access digital tools provides users with interactive credit insights across models, industries and lifecycle stages. In addition to RiskRatio™ and CreditGauge™, the suite includes Inclusion360®, which uncovers underserved consumers by geographic market, and MarketGain™, which quantifies the expanded addressable market available through VantageScore credit score adoption.
This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20260410913562/en/
“RiskRatio has become an essential tool for mortgage lenders, auto lenders and ABS investors looking to move beyond static views of credit risk,” said Susan Fahy, Executive Vice President and Chief Digital, Data and Technology Officer at VantageScore. “With these enhancements, we’re providing deeper benchmarking, expanded performance metrics and more timely insights, so institutions can identify emerging risks earlier and respond with greater confidence.”
Key enhancements to RiskRatio™ include:
DYNAMIC BENCHMARKING ACROSS TIME PERIODS, CREDIT PRODUCTS AND SCORE BANDS : RiskRatio enables comparisons to credit performance across up to 30 time periods, including pre-pandemic, pandemic and Great Recession environments. With expanded segmentation across products, such as HELOCs, HELOANs and First Mortgages, auto loans and multiple analytical views across vintages, VantageScore bands and lifecycle stages, lenders can better align strategies to real-world performance and evolving market conditions in comparison to competitors’ more limited, single-view approaches.
EXPANDED RISK METRICS AND VISIBILITY INTO CONSUMER CREDIT PERFORMANCE : RiskRatio expands beyond traditional delinquency measures by incorporating a broader range of performance indicators, including 30+, 60+, 90+ and 120+ days past due, as well as charge-offs and bankruptcies. RiskRatio’s flexible performance windows (6, 12 and 24 months) allow the assessment of both near-term and long-term risk dynamics, identifying emerging credit deterioration sooner and helping lenders adjust strategies proactively.
MORE TIMELY AND ACTIONABLE INSIGHTS : VantageScore’s comprehensive suite of digital tools, including RiskRatio, contains the most up-to-date and granular consumer credit scoring data available to the market. For example, CreditGauge™ provides monthly updates on U.S. consumer credit health, enabling lenders to contextualize portfolio performance within broader market trends. Together, these tools allow users to move from static snapshots to dynamic, comparative analysis that supports faster, data-driven decision-making.
To explore the latest insights from RiskRatio Powered by VantageScore®, please visit https://www.vantagescore.com/lenders/risk-ratio/.
About VantageScore®
VantageScore is the fastest-growing credit scoring company in the U.S., and is known for the industry’s most innovative, predictive and inclusive credit score models. In 2024, usage of VantageScore increased by 55% to hit 42 billion credit scores. More than 3,700 institutions, including nine of the top 10 U.S. banks, use VantageScore credit scores and digital tools to provide consumer credit products or generate greater insights into consumer behavior. The VantageScore 4.0 credit scoring model scores 33 million more people than traditional models. With the FHFA allowing the immediate use of VantageScore 4.0 for Fannie Mae and Freddie Mac guaranteed mortgages, the company is also ushering in a new era for mortgage lending.
VantageScore is an independent joint venture company owned by Equifax, Experian and TransUnion.
RiskRatio Enables Lenders and ABS Investors to Strengthen Consumer Credit Risk Benchmarking
MONTREAL (AP) — Andrei Svechnikov scored at 14:06 of overtime and the Carolina Hurricanes defeated the Montreal Canadiens 3-2 on Monday night to take a 2-1 lead in the Eastern Conference finals.
Shayne Gostisbehere and Taylor Hall scored in regulation for Carolina. Frederik Andersen made 11 saves.
“You’re seeing that the rust is off,” said Hall, whose team had 11 days off following the second round of the playoffs. “We’re feeling good about playing hockey again.”
Mike Matheson and Lane Hutson scored for Montreal, which got 35 stops from Jakub Dobes.
Game 4 in the best-of-seven series is Wednesday at the Bell Centre.
After a back-and-forth overtime, Hutson turned the puck over in the neutral zone. Montreal had time to recover, but Svechnikov took a pass from Seth Jarvis up high and fired a shot through traffic for the winning goal.
“Can’t get it back,” Hutson said. “I thought we played a pretty good game. I feel like that stuff can happen and usually you can get through the shift. Unfortunately, we didn’t.”
Canadiens coach Martin St. Louis thought his team could have handled the sequence better in its own zone.
“I didn’t love the play, but whatever,” he said. “It’s what’s next, and we didn’t do what’s next. We didn’t get the job done.”
After earning a 3-2 overtime victory at home Saturday that looked a lot more like their relentless style following a discombobulated 6-2 loss in Thursday’s opener, the Hurricanes came out flying and took the lead at 8:24 of the first period when the puck popped into the slot for Gostisbehere to fire in off the left post past a diving Dobes.
“He’s competing back there every night and giving us a chance,” Montreal forward Cole Caufield said.
The Canadiens, who topped the Tampa Bay Lightning and Buffalo Sabres in a pair of seven-game matchups to make the conference finals despite a combined 2-4 record at home, tied it at 15:28.
Carolina, the East’s top seed coming off sweeps of the Ottawa Senators and Philadelphia Flyers, pushed back less than a minute later when Hall shoveled home his own rebound from in tight past Dobes as the winger was falling to the ice at 16:22.
Montreal, which registered just 12 shots on goal in Game 2, evened things up on a power play at 4:43 of the second period.
“Be nice to be up 2-1, but we’re not because of me,” Hutson said. “It’s frustrating."
Hutson, who became the fourth defenseman in franchise history with at least 15 points in a single postseason, has been a focus for the Hurricanes on the physical side through three games.
“Probably their most important player and if he has the puck, I’m going to try and make some contact and prevent him from getting up the ice,” Hall said.
The Canadiens lost two in a row for the first time in these playoffs. They now have to quickly turn the page.
“This whole experience, it’s part of our learning,” St. Louis said of his young group going up against the battle-tested Hurricanes. “There’s always learning and failure. We lost tonight. We’ll learn from it. That team over there is a good team, very mature. I don’t know if we can match their maturity.
“But we’re gonna have to elevate.”
AP NHL: https://apnews.com/hub/stanley-cup and https://apnews.com/hub/nhl
Carolina Hurricanes' Andrei Svechnikov (37) celebrates with teammates Jaccob Slavin (74), Jalen Chatfield (5) and Jordan Martinook (48) after his goal during overtime of Game 3 of the Eastern Conference finals NHL hockey Stanley Cup playoff series against the Montreal Canadiens in Montreal, Monday, May 25, 2026. (Christinne Muschi/The Canadian Press via AP) CORRECTION: Corrected the goal scorer to Andrei Svechnikov
Carolina Hurricanes goaltender Frederik Andersen (31) stops Montreal Canadiens' Jayden Struble (47) as Hurricanes' Alexander Nikishin (21) defends during the second period of Game 3 of the Eastern Conference finals NHL hockey Stanley Cup playoff series in Montreal, Monday, May 25, 2026. (Christinne Muschi/The Canadian Press via AP)
Montreal Canadiens goaltender Jakub Dobes smothers the puck just outside the net following a shot by Carolina Hurricanes' Sebastian Aho during the third period of Game 3 of the Eastern Conference finals NHL hockey Stanley Cup playoff series in Montreal, Monday, May 25, 2026. (Graham Hughes/The Canadian Press via AP)
Montreal Canadiens' Lane Hutson (48) celebrates after his goal with teammates Nick Suzuki (14), Juraj Slafkovsky (20) and Ivan Demidov (93) during the second period of Game 3 of the Eastern Conference finals NHL hockey Stanley Cup playoff series against the Carolina Hurricanes in Montreal, Monday, May 25, 2026. (Christinne Muschi/The Canadian Press via AP)
Carolina Hurricanes defenseman Shayne Gostisbehere (4) celebrates after his goal with teammates Mark Jankowski (77) and Eric Robinson (50) during the first period of Game 3 of the Eastern Conference finals NHL hockey Stanley Cup playoff series against the Montreal Canadiens in Montreal, Monday, May 25, 2026. (Christinne Muschi/The Canadian Press via AP)
Carolina Hurricanes' Andrei Svechnikov (37) celebrates with teammates Jaccob Slavin (74), Jalen Chatfield (5) and Jordan Martinook (48) after a goal by teammate Sebastian Aho (not shown) during overtime of Game 3 of the Eastern Conference finals NHL hockey Stanley Cup playoff series against the Montreal Canadiens in Montreal, Monday, May 25, 2026. (Christinne Muschi/The Canadian Press via AP)
