Equifax: Total U.S. consumer debt rises 1.6% y/y to $18.23 trillion in July 2026 - EFX News | RalliesEquifax: Total U.S. consumer debt rises 1.6% y/y to $18.23 trillion in July 2026
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EFX• Equifax July 2026 credit trends report
- 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%.
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