---
title: "Equifax: Total U.S. consumer debt rises 1.6% y/y to $18.23 trillion in July 2026"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/297916159.md"
description: "Equifax reported that total U.S. consumer debt rose 1.6% year-over-year to $18.23 trillion in July 2026. Mortgage balances accounted for 74% of the total at $13.49 trillion. Non-mortgage debt reached $4.74 trillion, with auto loans and leases increasing 3.3% to $1.73 trillion and bankcard balances climbing 3.8% to $1.14 trillion. Delinquency rates for both auto loans and credit cards eased slightly."
datetime: "2026-09-03T12:42:27.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/297916159.md)
  - [en](https://longbridge.com/en/news/297916159.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/297916159.md)
generator: "portal-rs"
---

# Equifax: Total U.S. consumer debt rises 1.6% y/y to $18.23 trillion in July 2026

-   Equifax’s July 2026 credit trends report showed total U.S. consumer debt at USD 18.23 trillion, up 1.6% year over year. \* Mortgage balances reached USD 13.49 trillion, keeping a 74% share of total consumer debt. \* Non-mortgage debt totaled USD 4.74 trillion; auto loans and leases were 36.5% of the category, student loans 27.1%. \* Auto loans and leases outstanding rose 3.3% to USD 1.73 trillion; severe delinquency (60+ days) eased to 1.46%. \* Bankcard balances climbed 3.8% to USD 1.14 trillion; utilization slipped to 20.4%, severe delinquency edged down to 2.7%. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Equifax Inc. published the original content used to generate this news brief on September 03, 2026, and is solely responsible for the information contained therein. © Copyright 2026 - Public Technologies (PUBT) Original Document: here

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**