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Credit Trends

Fuel your market strategies with comprehensive consumer credit perspectives
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Understand your credit performance in the broader context of the market

Credit Trends delivers unmatched perspective into anonymous, time-series credit data - including originations, balances, delinquencies, write-offs and utilization across all credit products and geographies. Leverage a 360 degree view of account level credit data from July 2005 and continuous monthly updates for the complete Equifax U.S. consumer credit database so you can better understand credit activity across consumer and product segments.

Prescriptive Credit Trends Applications 

Access dynamic, differentiated data curated for specific industries and markets. Gain a 360 degree view of consumer credit. Benchmark against peers.

Credit Trends 360

Enhance peer benchmarking and acquire deeper insights by integrating consumer trends, credit products and lender types in one user-friendly environment.

Credit Trends SmartView 

Optimize your loan portfolios with a complete view of the U.S. consumer credit market, trended over time.

Credit Trends Economic Vitality

Better understand changing market drivers, delinquencies, debt utilization, originations and risks to optimize your portfolio.

Access Credit Trends  

Conduct deep market analysis. Quickly react to market and economic changes. Adjust marketing, acquisition, lending and account management strategies. Stay agile and make smarter credit decisions.

Request demo of our online Credit Trends visualization tool accessible via Equifax Ignite MarketPlace.

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Ask about monthly Credit Trends reports via batch

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Download a free summary Credit Trends report now

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Average U.S. Consumer Score Trend

Year over year change in consumer credit score

  • A VantageScore is a generally available credit score  designed to predict how likely you are to repay borrowed money

  • The average Vantage Score is a monthly average and is compared to the same time period of the prior year to measure change.

Portfolio Metrics

  • Gain insight into the overall health of the US consumer credit landscape

  • Leverage a leading indicator of economic health

Performance Trending

Delinquency rates are calculated as a percentage of Days Past Due (DPD) balance to open and active balance

  • Better understand consumer behavior and payment patterns

  • Leading economic indicator 

  • Gain actionable insights that guide strategic choices

Origination Trends

Newly Opened Trades

  • Track new trades and balances over time

  • Gain insight on consumer credit needs and lending trends

Stay on top of the U.S. economy with Credit Trends. 
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