US Consumer Credit Trends

Credit Trends is an anonymized data set sourced from the Equifax consumer credit database. It highlights consumer loan trades reported to Equifax by banks, credit unions, and other finance companies. Leverage this data to understand changes to accounts and balances as well as delinquency trends, consumer utilization and write off rates for this sector.

100% of US consumer trades that are reported to Equifax are represented in this data set and can be refreshed quarterly.

Samples/Tables Included:

- Credit Trends Originations
- Credit Trends Portfolio

Fields Included:

- Origination date & origination vintage
- Origination balance
- Origination & current risk score
- Number and amount of trades 30, 60, 90, 120, closed, bankruptcy, misc, current
- Scheduled payment amount
- High credit

The Credit Trends data dictionary can be accessed here:<br/>https://assets.equifax.com/mkt-legal/Credit_Trends_Layout_DaaS.xlsx

The data sets can be priced and shared as individual elements, for those that only want a subset, or a complete Credit Trends file via Snowflake.

Available Data Sets :

- Anonymized trade/account data of consumer Installment and Revolving loans
- Anonymized trade/account data of Mortgage loans
- Anonymized trade/account data of Auto loans
- Anonymized trade/account data of Student loans
- Anonymized trade/account data of Bank Cards

搜集汇总

背景与挑战

背景概述

该数据集源自Equifax消费者信用数据库，涵盖全美消费者信贷交易记录，包含贷款发放、账户组合等核心数据，涉及抵押贷款、汽车贷款、学生贷款等多种信贷类型。数据按季度更新，提供包括发放日期、风险评分、逾期状态等关键字段，支持通过Snowflake平台分模块或完整获取。