• TransUnion's Q3 2026 credit report found lenders expanded access for higher-risk borrowers while reducing balance-level delinquencies through tighter risk management.
• Below-prime borrowers accounted for 42.3% of credit card originations; balance-level delinquency fell to 1.99% from a year earlier.
• For unsecured personal loans, below-prime originations reached 69%; balance-level delinquency declined to 1.95% year over year.
• Borrower-level delinquency nevertheless rose to 2.5% for credit cards and 4.12% for unsecured personal loans.
• Unsecured personal loan charge-offs fell 11% year over year to $3.5 billion, indicating reduced loss severity despite more charged-off accounts.

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. TransUnion published the original content used to generate this news brief via GlobeNewswire (Ref. ID: 202611050817PRIMZONEFULLFEED9870538) on November 05, 2026, and is solely responsible for the information contained therein.