January 2026 Credit Trends

Equifax Senior Advisor Jesse Hardin breaks down the credit trends in our January 2026 Market Pulse webinar.

Key highlights:

• The Market Pulse Index rose to 61.6, signaling financial stabilization even within vulnerable credit tiers. Explore how this multidimensional view reflects resilience in a K-shaped economy.
• Originations jumped across categories, led by an 11.6% rise in mortgages and a 60% surge in personal loans. Learn how shifting rates and loosened standards are driving new volume.
• Total debt reached $18.1T, yet 2024 loan vintages are outperforming previous years. See what this reveals about stability.