Video

February 2026 Credit Trends

Video

February 2026 Credit Trends

Equifax Senior Advisor Tom O’Neill breaks down the latest shifts in originations, debt composition, and delinquency performance in our February 2026 webinar.

Key highlights:

  • Bank card originations are set to exceed $400B for the fourth straight year, while personal loans surged 18.5%. Learn how fintech and debt consolidation are driving this sustained growth.
  • Mortgage originations rose 12% in dollars, yet the median age of first-time buyers has jumped to over 40. Explore what this "slow thaw" means for market accessibility.
  • Total debt reached $18.1T, but student loan balances continue to trend downward. See how shifting education trends impact debt.
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