FICO Score 10T includes rental data, but consumers can only experience the benefit of this to the extent that their rental data is reported to the CRAs

Credit card delinquency rates picked up in the back half of the year as spending slows

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

Credit card balances and severe delinquencies are growing but positive signs are starting to appear

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

What are the drivers behind this consumer shift in the loan payment hierarchy to pre-pandemic norms and is it likely to last?

Student loan borrowers’ increasing debt trajectory through the pandemic has been outpacing that of non-student loan borrowers

Student loan borrowers already exhibiting higher delinquency rates than they did pre-pandemic on some credit products

Bankcard delinquencies exceed pre-pandemic levels, higher losses are forecasted ahead

Bankcard delinquencies continue to rise, higher losses are coming in 2023