• Equifax's first-half 2026 report puts Millennials' U.S. debt share at 36.8% in May, surpassing Gen X's 35.9%.
• Mortgage borrowing drove the shift; mortgages account for 70% of Millennial debt, with 30% of Millennial borrowers holding one.
• Gen Z was the fastest-growing U.S. credit demographic, increasing its debt share from 4.8% in January 2026 to 5.2% in May.
• Ontario mortgage holders' non-mortgage delinquency rose 27% year over year, compared with 2% elsewhere in Canada.
• Among U.K. buy now, pay later users aged 18 to 24, 29% made no traditional credit repayments in 2025.

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 October 21, 2026, and is solely responsible for the information contained therein.