Credit Card Delinquencies, Balances, Burden, Credit Limits, and Collections in Q2 2025 by Wolf Richter • Aug 19, 2025 • 30 Comments Our Drunken Sailors and their Credit Cards.
Serious Delinquency Rates for Subprime & Prime Auto Loans, their Balances, and their Burden: Our Drunken Sailors in Q2 by Wolf Richter • Aug 11, 2025 • 34 Comments Subprime is, as always, in trouble, which is why it’s subprime – high-risk-high-profit auto sales & lending that can entail steep losses.
Average Age of First-Time Home Buyers and How it Changed over the Past 25 Years by Wolf Richter • Aug 11, 2025 • 104 Comments Turns out, younger people live their lives, and have always done so.
Here Come the HELOCs: Mortgages, Housing-Debt-to-Income-Ratio, Serious Delinquencies, and Foreclosures in Q2 2025 by Wolf Richter • Aug 6, 2025 • 50 Comments Taxpayers and investors are mostly on the hook this time, not banks.
Household Debts, Debt-to-Income Ratio, Serious Delinquencies, Collections, Foreclosures, Bankruptcies: Our Drunken Sailors’ Debts in Q2 2025 by Wolf Richter • Aug 5, 2025 • 109 Comments The long-defaulted federal student loans come out of the shadows of government forbearance.
Auto-Loan Balances, Debt-to-Income Ratio, Serious Delinquencies for Subprime & Prime in Q1 2025: Our Drunken Sailors and their Auto Loans by Wolf Richter • May 16, 2025 • 19 Comments Something rare occurred: Auto loan balances fell despite highest new & used vehicle sales in years. More people paid cash to dodge interest rates?
Here Come the HELOCs: Mortgages, Housing-Debt-to-Income-Ratio, Serious Delinquencies, and Foreclosures in Q1 2025 by Wolf Richter • May 14, 2025 • 61 Comments Who’s on the hook this time? Mostly not the banks, but taxpayers, except for HELOCs.
Household Debts, Debt-to-Income Ratio, Serious Delinquencies, Collections, Foreclosures, Bankruptcies: Our Drunken Sailors’ Debts in Q1 2025 by Wolf Richter • May 13, 2025 • 91 Comments Student loans are loans again, OOPS.
Auto Debts, Auto-Loan-to-Income Ratio, Serious Delinquencies for Prime & Subprime: Our Drunken Sailors and their Auto Loans by Wolf Richter • Feb 18, 2025 • 61 Comments Subprime, which means “bad credit” and not “low income,” is always in trouble. But it’s only 14% of auto loans. Prime is in pristine condition.
Here Come the HELOCs: Mortgages, Housing-Debt-to-Income-Ratio, Serious Delinquencies & Foreclosures in Q4 2024 by Wolf Richter • Feb 15, 2025 • 68 Comments HELOC balances surged, mortgage balances barely budged: More households, more income, more housing debt.
