US Consumer Credit Profiles Diverge as Both Low- and High-Risk Borrowers Rise

US Consumer Credit Profiles Diverge as Both Low- and High-Risk Borrowers Rise

The number of borrowers with excellent credit scores increased to nearly 41 percent in the third quarter, but the number of high-risk subprime borrowers was also up, credit reporting agency TransUnion reported on Nov. 3. The number of super prime borrowers—low-risk consumers with great credit scores—increased by 3.8 percent, or approximately 16 million additional consumers, from 2019 figures, TransUnion said in its latest credit insights report.…

Growing Divide Among Consumers Persists as Credit Risk Takes a Turn - The MortgagePoint

According to TransUnion's Q3 2025 Credit Industry Insights Report, recent trends in consumer credit risk point to a widening gap among U.S. consumers, with some exhibiting greater financial resilience and many others facing increasing difficulties.

Overindebtedness: An Escalating Risk for Consumers

Digital credit is transforming access to finance for millions of low-income consumers, especially women, by providing instant, mobile-based loans that help families cover emergencies, invest in small businesses, and smooth daily expenses. But this same accessibility is also fueling a silent crisis: overindebtedness. This new policy brief by Women’s World Banking and GSMA explores how the rapid expansion of digital credit, through products such a…