Debt and credit pressure
Debt and credit pressure tracks how leveraged households are and how often credit stress shows up. Higher subprime share, delinquency, and revolving utilization indicate tighter credit access and greater reliance on borrowing.
Why it matters
High credit pressure often aligns with more late payments, higher borrowing costs, and limited access to affordable credit.
Common questions
- What share of borrowers are subprime (credit score under 620)?
- How high is the 90+ day delinquency rate?
- How common is high revolving utilization?
- How much total debt per borrower is typical?
Example signals
- Subprime share
- 90+ day delinquency rate
- Revolving utilization
- Total debt per borrower
How this risk is used
This risk contributes to Financial Risk Score v1 as a location-level signal. Scores remain relative, explainable, and comparable across geographies.
FinancialRiskIQ does not provide personal financial advice or predictions.
Key sources
- Philadelphia Fed Consumer Credit Explorer (Equifax CCP)
FAQs
Is this based on individual credit scores?
No. The data is aggregated and anonymous. It does not identify or track any individual.
Why focus on delinquency and utilization?
They are early indicators of repayment stress and heavy reliance on revolving credit.
What is subprime share?
The percentage of borrowers in a location with a credit score below 620.
Related risks
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Cost of living exposure
Cost of living exposure focuses on housing costs relative to income. Rising rents, higher monthly housing costs, and elevated rent-to-income ratios can squeeze budgets even when incomes rise.
Legal and collection risk
Legal and collection risk uses civil court filings per capita and caseload trends to capture the legal environment. Higher civil filing rates can signal more collection activity and a more intense enforcement climate.