Equifax Senior Advisor David Sojka breaks down the credit trends in our December 2025 Market Pulse webinar.
Key highlights:
- Consumers are seeking new credit, despite recent surveys showing a souring economic outlook. Learn how this divergence impacts Q4 lending forecasts.
- Total U.S. consumer debt has reached $18.1 trillion, driven by mortgage and an increase in unsecured personal loans. Discover the driving debt segment and how rising credit card rates affect debt consolidation.
- While most loan delinquencies are down, auto loan delinquency exceeds Great Financial Crisis levels. Get our analysis on why high auto delinquencies do not reflect overall consumer repayment health.
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