• Equifax’s July 2026 credit trends report showed total U.S. consumer debt at USD 18.23 trillion, up 1.6% year over year.
• Mortgage balances reached USD 13.49 trillion, keeping a 74% share of total consumer debt.
• Non-mortgage debt totaled USD 4.74 trillion; auto loans and leases were 36.5% of the category, student loans 27.1%.
• Auto loans and leases outstanding rose 3.3% to USD 1.73 trillion; severe delinquency (60+ days) eased to 1.46%.
• Bankcard balances climbed 3.8% to USD 1.14 trillion; utilization slipped to 20.4%, severe delinquency edged down to 2.7%.

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 September 03, 2026, and is solely responsible for the information contained therein.