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 union lenders need to be mindful of balancing opportunity and risk with their credit decisions

New reporting of student loan delinquencies among key drivers of the downward shift of credit scores

Debt and missed payments continue to rise, contributing to a change in the average

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

People with no current debt can – and often do - have a credit score higher than the national average

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

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

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

The pandemic caused behavioral impacts on credit card payments of consumers for revolving products, where the minimum due is a small percentage of the current credit card balance

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

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

What are the drivers behind this mortgage and auto loan payment hierarchy behavioral shift and is it likely to be a lasting trend?

Inflation takes hold, bankcards delinquencies surpass pre-pandemic levels