Equifax National Market Pulse Data Shows U.S. Consumer Top-Line Debt Stabilizing at $18.25 Trillion in Q2 2026 With Delinquencies Improving Across Categories

Equifax National Market Pulse Data Shows U.S. Consumer Top-Line Debt Stabilizing at $18.25 Trillion in Q2 2026 With Delinquencies Improving Across Categories

PR Newswire

ATLANTA, Aug. 11, 2026

Credit Card and Auto Debt Balance Growth Outpaces Student Loans Amid Broad Delinquency ReliefHighlights: Total U.S. consumer debt reached $18.25 trillion in Q2 2026, reflecting a 2.1% year-over-year increase primarily driven by mortgage and revolving bankcard debt.Delinquency rates showed broad improvement across automotive, bankcard, and mortgage sectors, suggesting a significant stabilization trend in consumer portfolios.ATLANTA, Aug. 11, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) has released its Market Pulse Second Quarter U.S. Consumer Credit Trends, which includes U.S. national consumer credit data and trends through June 2026 sourced from Equifax proprietary data. While consumer debt balances reached $18.25 trillion in June, driven by increases in mortgage and revolving consumer bank card debt, the data signaled a stabilization period for consumers with only a 0.32% increase from the first quarter of 2026. The data also highlights a consistent improvement in delinquencies in all categories.