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

Domestic credit markets modestly contracted in April, falling by $8.7 billion, their first monthly decline in more than a year. The slide reduced total balances to $13.688 trillion, a 0.06% decline from the prior month but a 4.07% increase from the same period a year earlier. The composition of change varied across products; first mortgage and home equity balances modestly gained while auto and student loan balances contracted. Alarmingly, personal loan, retail card and bankcard balances sharply declined, with all three products shrinking by more than 2%. These segments correlate with consumer spending, and April’s declines could be an early signal of COVID-19’s impact on household outlays.

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