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Credit Builders Alliance and VantageScore Expand Nonprofit Lenders Pilot Program with Ten New Participants

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Initial Pilot Data Shows Improved Predictive Lift for Thin, Inactive Credit Files Provides Clearer Risk Segmentation Between Higher- and Lower-Scoring CandidatesPreviously Declined Applicants May Benefit from Reconsideration

WASHINGTON and SAN FRANCISCO, April 18, 2025 /PRNewswire/ — Credit Builders Alliance (CBA) and VantageScore today announced that ten nonprofit financial institutions will participate in their ongoing pilot program for VantageScore 4plus. The platform—developed in collaboration with data firm Pentadata—provides lenders with a comprehensive view of consumers’ financial behavior by combining traditional credit data with real-time, consumer-permissioned cash flow insights from bank accounts.

“Our collaboration gives nonprofit lenders access to modern, high-quality credit scores, equipping them to better serve their communities while maintaining sound lending practices,” said Dara Duguay, CEO of Credit Builders Alliance. “When you add real-time, permissioned data to the credit decisioning process, you not only improve predictive performance—you also create more opportunities for expanding responsible access to credit.”

“Nonprofit lenders need tools that are both inclusive and predictive,” said Andrada Pacheco, EVP and Chief Data Scientist at VantageScore. “This initiative is proving that with the right data, lenders can expand access responsibly without sacrificing performance.”

VantageScore 4plus gives lenders a deeper and more dynamic view of borrower stability—especially valuable when credit file information is limited or outdated.

Initial data from the pilot show meaningful improvements in the ways nonprofit lenders can assess and serve potential borrowers. Key insights include:

Improved Predictive Lift: Applicants with thin or inactive credit files, who make up 15% of participants in the pilot program, benefitted significantly from the addition of open banking data.Clearer Risk Segmentation: Scores moved in both directions, with nearly equal numbers of consumers seeing increases and decreases—signaling better separation between higher- and lower-risk applicants.Expanded Decisioning Opportunities: Up to 50% of previously declined applicants could be reconsidered in a second-look strategy using VantageScore 4plus, potentially unlocking credit while preserving underwriting rigor.

To learn more about the program or VantageScore 4plus, visit www.creditbuildersalliance.org or vs4plus.vantagescore.com.

About Credit Builders Alliance
Credit Builders Alliance (CBA) is a national nonprofit network dedicated to helping mission-driven lenders connect their clients to the modern credit system. Through tools, training, and advocacy, CBA supports hundreds of organizations working to improve credit access and financial health across the country.

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 2023, usage of VantageScore increased by 42% to more than 27 billion credit scores. More than 3,400 institutions, including 8 of the top 10 banks, use VantageScore credit scores to provide consumer credit products including credit cards, auto loans, personal loans and mortgages. The VantageScore 4.0 credit scoring model scores 33 million more people than traditional models. With the FHFA mandating the 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 and helping to close the homeownership gap. 

VantageScore is an independently managed joint venture company of the three Nationwide Consumer Reporting Agencies (NCRAs) – Equifax, Experian, and TransUnion.  

View original content to download multimedia:https://www.prnewswire.com/news-releases/credit-builders-alliance-and-vantagescore-expand-nonprofit-lenders-pilot-program-with-ten-new-participants-302432111.html

SOURCE VantageScore

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Datavault AI Founder Nathaniel Bradley Sues Board

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November 7, 2026

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WILMINGTON, Del., Nov. 6, 2026 /PRNewswire/ — Lawsuit Alleges Chairman and CFO Brett Moyer Engineered a Weekend Lockout While Keeping a $90–$100 Million Financing Offer From Independent Directors

Datavault AI Founder Nathaniel Bradley Sues Board

Nathaniel Bradley, the founder whose technology became Nasdaq-listed Datavault AI Inc. (NASDAQ: DVLT), today filed a lawsuit in the Delaware Court of Chancery asking the court to declare his contested ouster as CEO void and restore him to office. The complaint alleges that Board Chairman and CFO Brett Moyer “suspended” Bradley without a Board vote, cut off his email, and then rushed through a defective Sunday meeting, all while a $90–$100 million financing lifeline sat on the table.

On October 30, two days after Bradley asked the Board to consider removing Moyer as CFO, Moyer “suspended” Bradley on his own perceived authority. According to the complaint, no Board meeting was held and no written consent was circulated. This was done despite Datavault’s own Bylaws, which give only the full Board the power to remove officers.

The lawsuit further alleges that Moyer and certain unnamed directors shut Bradley out one day after he brought the company a $90–$100 million funding offer that could have substantially improved its financial position. Rather than present the offer, Moyer “suppressed, withheld and concealed” it from the company’s independent directors.

Last night, Bradley released the following statement:

“While I remain confident in Datavault AI’s technology, product offerings, and patent-protected innovations, I strongly dispute the legal validity of the Board’s decision to remove me as President and Chief Executive Officer.

“During my tenure, we increased revenue by more than 1,300% in my first year, alongside record trading volumes, and built the foundation for continued growth. We assembled a portfolio of more than

100 patents and pending applications, including newly issued U.S. patents in data valuation, tokenization, and wireless audio. We launched the Information Data Exchange, NIL Vault, and American Political Exchange, and signed licensing and tokenization agreements that bring real-world assets, from carbon credits to gold, copper, and geothermal energy, onto our platforms. We also completed strategic acquisitions, including API Media Innovations, that expanded our reach into digital twins, sports, and live events. We broadened our strategic partnership network, including with IBM,

ServiceNow, and the Department of Energy, and recruited industry-leading talent to the Datavault cause.

“Innovators are often targeted, and I intend to protect my rights and the interests of the Company and its shareholders. I believe the Board’s action jeopardizes the Company’s ability to realize its full potential.”

Jacob Frenkel, Bradley’s lead counsel and a former SEC enforcement lawyer and federal prosecutor, said:

“The company’s groundbreaking and cutting-edge technologies are a function of Mr. Bradley’s brilliance and vision. As a corporate leader, Mr. Bradley has a long-standing commitment to best practices in corporate governance.”

Mr. Bradley puts his investors first. When you’re out building and innovating and those you think you can trust decide to stage a corporate coup, the only place for relief is in court. Mr. Bradley will continue to fight for the shareholders and against those who put their own interests ahead of the company’s stakeholders.”

Read the full complaint here.

About Nathaniel Bradley:

Nathaniel Bradley is an inventor and technology executive who holds more than 70 patents. He founded and invented AudioEye, founded Intellectual Property Network Inc., and served as CTO of Marathon Patent Group (now Marathon Digital Holdings). In 2021, he founded Data Vault Holdings, whose assets were acquired in December 2024 by WiSA Technologies, the company that became Datavault AI. As CEO, he led the company through partnerships with IBM, Dolby Laboratories, and NYIAX, as well as the acquisition of CompuSystems assets.

View original content:https://www.prnewswire.com/news-releases/datavault-ai-founder-nathaniel-bradley-sues-board-302932495.html

SOURCE Datavault AI Inc

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County of Sussex, New Jersey Notice of Data Privacy Incident

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November 7, 2026

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NEWTON, N.J., Nov. 6, 2026 /PRNewswire/ — Sussex County Prosecutor’s Office (SCPO) experienced a data privacy event that involved personal information.

On or about August 10, 2026, SCPO received alerts of a disruption to its computer network. Upon this identification, it launched an immediate investigation and engaged outside cybersecurity specialists to assist. The investigation determined that someone accessed its network without authorization between July 15, 2026, and July 22, 2026, and that certain files containing personal information were accessed and may have been taken. That information includes people’s first and last name, Social Security number, and driver’s license or State-issued identification card number. The SCPO has reported the incident to state and federal law enforcement, the New Jersey Cybersecurity and Communications Integration Cell (NJCCIC), and the Office of Attorney General. For more information on this incident, people may contact the call center at (888) 269-1448, Monday through Friday, 9:00 a.m. to 9:00 p.m. EST for further assistance.

Lauren Stinger, Esq.
Lauren.stinger@kennedyslaw.com
Associate Counsel

View original content:https://www.prnewswire.com/news-releases/county-of-sussex-new-jersey-notice-of-data-privacy-incident-302932369.html

SOURCE Kennedys CMK LLP

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Light AI Announces Resignation of Director and Officer

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3 hours ago

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November 7, 2026

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VANCOUVER, BC, Nov. 6, 2026 /CNW/ — Light AI Inc. (“Light AI” or the “Company”) (CBOE CA: ALGO (FSE: OHC) (OTCQB: OHCFF), announces that Peter Whitehead has resigned as a director and the Chief Innovation Officer of the Company to pursue other opportunities. The Company would like to thank Mr. Whitehead for his contributions to the Company.

About Light AI Inc. (CBOE CA: ALGO / FSE: OHC / OTCQB: OHCFF)

Light AI Inc. is a healthcare technology company focused on developing artificial intelligence-powered SaMD solutions designed to support rapid, accessible clinical assessment at the point of care. The Company’s core technology, Light AI QuickScan™, is a device-agnostic software platform that applies proprietary artificial intelligence and machine learning algorithms to medical images. The QuickScan™ platform is designed to operate across compatible imaging and computing hardware, providing flexibility for integration into a range of healthcare devices, clinical workflows and care settings without dependence on a single proprietary hardware platform.

ON BEHALF OF THE COMPANY

“John R. Luna”
Chief Executive Officer

For more information, please contact the Company at investors@light.ai or visit https://light.ai/.

Website: https://light.ai/
LinkedIn: LinkedIn/company/Light AI
X (Formerly Twitter): @lightaihealth

SOURCE Light AI Inc.

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