The U.S. housing‑finance market is showing signs of relief as mortgage rates, after climbing to multi‑decade highs, have moved downward. According to the most recent survey by Freddie Mac, the average rate on a 30‑year fixed mortgage has fallen to about 6.19%, down from 6.27% just a week earlier.  This is the lowest level seen since early October 2024....
November 30, 2025
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A Closer Look at Credit‑Card Delinquencies as Consumer Stress Lingers
When you peel back the surface of the consumer‑credit data, the story unfolding with credit‑card delinquencies in the U.S. has several unsettling threads. The broad brush might not yet scream crisis, but cracks are visible—especially among vulnerable borrowers. At the headline level, the rate of delinquency on credit‑card loans at all commercial banks stood at 3.05% in Q2 2025, a slight decline from...
Subprime Auto‑Loan Delinquencies Climb to Record Levels
The performance of auto loans issued to borrowers with weak credit histories has grown more troubling. For loans classified as “subprime” (commonly defined in these datasets as borrowers with credit scores below about 620), the share of those 60 + days past due recently reached over 6%. In January 2025, for example, about 6.56% of subprime auto‑loan borrowers were at least 60 days late – a...
Credit Card Stories
A Closer Look at Credit‑Card Delinquencies as Consumer Stress Lingers
When you peel back the surface of the consumer‑credit data, the story unfolding with credit‑card delinquencies in the U.S. has...
Consolidating Credit Card Debt with a Personal Loan Can Reduce Your Interest Rate and Monthly Payments
If you’re facing mounting credit card debt, you’re not alone. With rising costs of living and persistently high interest rates,...
Navigating Debt Settlement for Unsecured Credit Card Debt: What to Know
If you’re carrying unsecured credit card balances that feel out of control, debt settlement may seem like a lifeline. The...