VantageScore CreditGauge™ June 2026: Consumer Credit Healthy as Borrowers Maintain Payment Discipline
Average VantageScore 4.0 Credit Score Increased to 702 Credit Card Delinquency Rates Across All Past Due Categories
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The average VantageScore credit score increased in June 2026 as consumer credit remained generally healthy, according to the latest edition of CreditGauge™ from VantageScore. Serious delinquencies remained stable year-over-year and below pre-pandemic levels, while credit card delinquency rates improved across all stages compared to June 2025. At the same time, overall credit utilization declined from both month-over-month and year-over-year in June 2026.
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Credit card delinquencies improved across all stages year-over-year: VantageScore June 2026 CreditGauge
“Although pockets of stress persist in certain segments, our June analysis indicates that most consumers are managing their credit responsibly and maintaining good credit health,” said Atif Mirza, EVP and Chief Digital and Insights Officer at VantageScore. “Between the positive employment picture and healthy household balance sheets, consumers are looking strong heading into the second half of 2026.”
Watch CreditGauge LIVE for additional key insights from the June 2026 edition of CreditGauge that include:
AVERAGE VANTAGESCORE 4.0 CREDIT SCORE INCREASED TO 702: In June 2026, the average VantageScore 4.0 credit score increased one point to 702, reversing the modest dip observed late last year and returning to its highest level in the past 12 months. This suggests improved consumer credit quality, likely due to the strong labor market, which is helping households stay current on their financial obligations.
CREDIT CARD DELINQUENCY RATES ACROSS ALL PAST DUE CATEGORIES IMPROVED COMPARED TO JUNE 2025: Year-over-year credit card delinquencies eased from June 2025 to June 2026 throughout all delinquency stages. This indicates that consumers are maintaining discipline in their spending even amid high affordability pressures.
OVERALL CREDIT UTILIZATION RATES DOWN COMPARED TO MAY 2026 AND JUNE 2025: In June 2026, the overall balance-to-loan ratio declined to 49.61%, down from 49.79% in May 2026 and 50.78% a year earlier, remaining well below the pre-pandemic level of 54.1%. The continued decline in the balance-to-loan ratio suggests that consumers are being cautious about taking on additional debt – another sign of healthy credit behavior.
Follow VantageScore on LinkedIn and YouTube to watch CreditGauge LIVE, a monthly video series featuring our latest insights on consumer credit data and analysis.
CreditGauge is a monthly analysis highlighting the overall health of U.S. consumer credit. To download this month’s full CreditGauge report, visit the VantageScore website.
About VantageScore CreditGauge™
CreditGauge is provided both as a monthly analysis to industry stakeholders as well as through a series of interactive tools at VantageScore.com, which also includes Inclusion360®, RiskRatioTM and MarketGainTM. Stakeholders can use the tools to execute additional queries on credit metrics and compare current levels to a pre-pandemic timeframe, starting with January 2020. CreditGauge solely represents the views and analysis of VantageScore and does not necessarily reflect or represent the views of the Nationwide Consumer Reporting Agencies (NCRAs) – Equifax, Experian, and TransUnion.
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.
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