Extra Credit Podcast 39: Why Credit Score Choice Matters More Than Ever

Summary

We explore credit score choice: Why it’s gaining urgency, how it shapes risk and growth, and what lenders should consider when evaluating and adopting new models.

Synopsis

In this episode, Craig LaChapelle is joined by VantageScore’s Jeff Richardson and TransUnion’s Matias Petersen to unpack the growing importance of credit score choice. They discuss how market volatility, competition and regulatory shifts are driving adoption across lending segments — from mortgage to auto and cards. The conversation highlights practical considerations, ranging from model performance and governance to operational rollout, while outlining how lenders can test, validate and scale new scoring approaches to improve portfolio outcomes and expand access.