Your one-stop shop for actionable consumer credit, economic and demographic data, forecasts and analysis.

Exclusive Forecasts, Data and Analysis of Consumer Credit

A joint product of Moody’s Analytics and Equifax, provides insight into how the U.S. and local economies affect consumer credit behavior and performance through a full spectrum of consumer credit services—data, forecasts, alternative scenarios, analysis, and access to economic and credit analysts.

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Latest Update: Household Credit

The consumer credit market expanded in September by $87 billion, or 0.63% month to month. The consumer credit market is now at $13.9 trillion in outstanding debt, which is 3.94% higher than where it was last year. The year-over-year growth of 3.94% is higher than it has been in past months. Credit issuance is still being driven by first mortgages, with auto balances and student loans also notching positive gains. The unsecured market still has weak issuance, and all products are now contracting on a year-over-year basis. Performance of existing loans is still strong, as personal incomes are still higher than pre-pandemic levels due to federal stimulus. Performance in the future is highly dependent on whether or not additional fiscal stimulus is passed.

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