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Credit card, personal loan delinquencies expected to surge in 2023: TransUnion

Credit reporting agency forecasts delinquency rates not seen in over a decade

Consumer credit reporting agency TransUnion anticipates delinquency rates for credit cards and personal loans will jump next year to highs not seen in more than a decade due to shifts in consumer behavior following months of surging interest rates and persistently high inflation.

The company’s 2023 Consumer Credit Forecast released Wednesday projects serious credit card delinquencies will climb to 2.6% over the next 12 months, up from 2.10% this year, and unsecured personal loan delinquency rates are expected to reach 4.3%, up from 4.10%. TransUnion said delinquency rates for those categories have not reached that level since 2010.

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