If you’ve felt like your budget is being stretched a little thin, you’re not alone. Even as inflation cools and the Federal Reserve begins cutting interest rates, many families are still relying on credit cards, auto loans, and other borrowing just to make ends meet. So what does the financial road ahead look like?
TransUnion’s new 2026 Consumer Credit Forecast takes a deep dive into how Americans are using credit — and what lenders and consumers might expect in the coming year as the economy continues shifting.
Michele Raneri, Vice President and Head of U.S. Research for TransUnion, breaks down the trends behind rising balances, changing interest rates, and delinquency risks and shares practical steps you can take to improve your credit health and protect your financial stability.
Whether you’re planning a big purchase or just trying to stay ahead of your bills, this is information every household can use.