Equifax Reports U.S. Consumer Debt Hits $18.21 Trillion in January 2026

Reuters03-05

Equifax Reports U.S. Consumer Debt Hits $18.21 Trillion in January 2026

Equifax Inc.’s January 2026 U.S. National Consumer Credit Trends Report said total U.S. consumer debt reached $18.21 trillion, up 2.9% from a year earlier, with mortgage balances comprising $13.47 trillion, or 74.0% of the total. Non-mortgage debt stood at $4.74 trillion, led by auto loans and leases at $1.69 trillion, while bankcard balances rose 4.0% year over year to $1.12 trillion and average utilization edged down to 21.1%. The report also showed severe delinquency rates of 1.67% for auto loans and 2.98% for bankcards as of January 2026.

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 March 04, 2026, and is solely responsible for the information contained therein.

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