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How Much Is US Credit Behavior Changing?

Insights - In recent years, industry and media perception of US consumer credit behavior has swung between extremes.


At the onset of the recession, rising numbers of delinquencies were interpreted as widespread deterioration in credit behavior. Earlier this year, media headlines celebrated lower levels of delinquencies, particularly for credit card accounts, as evidence of improving credit behavior.

Now, as economic turmoil continues, many lenders say they are expecting delinquencies to rise sharply again across all or most consumer credit types