Credit card delinquencies are stabilizing in early buckets while consumers continue to spend

At $3.50 per score, FICO royalties constitute only 15% of the cost of a $70 tri-merge credit report and 2/10ths of one percent of mortgage closing costs

Credit card balances continue to rise, early-stage delinquency begins to show signs of flattening

More consumers are carrying credit card balances despite high rates, and delinquency rates continue to rise

Higher prices keep customers in a pinch from making on-time payments