• Equifax June 2026 credit trends showed total U.S. consumer debt at $18.25 trillion, up 2.1% year over year.
• Mortgage balances reached $13.51 trillion, representing 74.1% of total debt, reinforcing housing credit as the dominant exposure.
• Non-mortgage debt totaled $4.73 trillion; auto loans and leases accounted for 36.5% of that mix.
• Auto loan and lease balances rose 2.9% to $1.72 trillion; severe delinquency (60+ days) edged down to 1.42%.
• Bankcard balances increased 3.9% to $1.11 trillion; utilization slipped to 20.4% as severe delinquency fell to 2.71%.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Equifax Inc. published the original content used to generate this news brief on July 30, 2026, and is solely responsible for the information contained therein.