These are the data tables we maintain, with the source and the date on each one. The pages link to the guides. They do not rank lenders and they do not take applications.
- Credit card delinquency by state: the share of card balances 90 or more days late at the end of 2025, from the New York Fed, with the change since 2019. Louisiana rose the most over those six years.
- Bankruptcy filings by state: nonbusiness filings for the year ending June 30, 2026, from U.S. Courts Table F-2
- Debt-relief complaints in the FTC call files: unverified Do Not Call complaints about reducing debt, with state counts
- New credit card limits by score: February 2026 dollar limits from the CFPB, plus the change in the number of new cards by state. The latest months are not final.
- Payday alternative loans by state: credit union loans from the NCUA call report through June 30, 2026. Not storefront payday loans.
- Credit application rejection rates: June 2026, by score band, from the New York Fed. The under-680 group is small.
- Credit card charge-offs at large banks: first-half 2026 dollars from FDIC call reports. The bank, not a card brand.
- A $400 emergency expense: our calculation from the Fed’s 2025 public survey file
- Federal student loans in the Treasury receivables report: delinquent Direct Loan debt of $214.9 billion on June 30, 2026, from federal receivable records
- Student loan delinquency by state: the share of balances 90 or more days late at the end of 2025, from the New York Fed. A 1% sample.
- Buy now, pay later use and late payments: the Fed’s household survey, 2022 to 2025. Our calculation.
- Home-purchase loan denial rates by state: HMDA data for 2025
- Auto loan delinquency and new auto loans by score: New York Fed and CFPB figures, kept separate
- Credit report complaints by state: unverified CFPB complaints, with a rate per 100,000 residents
- People with a collection account: quarterly New York Fed series, 2003 to 2026
- Bank rates on personal loans, cards and auto loans: Federal Reserve averages through August 2026. Not quotes.
- Two credit card delinquency numbers: what the Fed’s bank rate and the New York Fed’s credit-file share each count
- Debt payments as a share of income: the Fed’s household debt service ratios through the second quarter of 2026
- Debt collection complaints by issue and state: 322,580 unverified CFPB complaints from October 2025 to September 2026
- U.S. household debt by type: New York Fed balances, 2003 to the second quarter of 2026
- Loans 90 days late, by type of debt: mortgage, HELOC, auto, card and student loan shares from the New York Fed
- Overdraft fees and adults without a bank account: the Fed’s household survey, 2022 to 2025. Our calculation.
- Credit card accounts paying only the minimum: large-bank data from the Philadelphia Fed
- Home equity line of credit balances: balances, unused credit and limits from the New York Fed
- New student loans by credit score: CFPB monthly volume through February 2026. The latest months are not final.
- Licensed debt collection agencies in New York City: the active license list from the city’s consumer protection agency
- Banks tightening credit card standards: the Fed’s loan officer survey. Not an approval rate.
- New foreclosures and bankruptcies on credit reports: people, not court cases, from the New York Fed
- Families behind on loan payments: 19.6% in 2025, from the Fed’s Survey of Consumer Finances
- Delinquent debt owed to federal agencies: Veterans Affairs, Social Security and others, from the Treasury receivables report
- Credit card complaints by issue and state: unverified CFPB complaints, October 2025 to September 2026
- Revolving consumer credit: the Fed’s G.19 monthly totals through August 2026
- Checking and savings account complaints: unverified CFPB complaints by issue and state
- Payday, pawn and title loan use: the Fed’s household survey, 2022 to 2025. Our calculation.
- New mortgages by credit score: CFPB monthly volume through February 2026. The latest months are not final.
- The largest credit card banks: card loans and charge-offs from June 30, 2026 call reports
- How often cardholders carry a balance: the Fed’s household survey, 2022 to 2025. Our calculation.
- Vehicle loan and lease complaints: unverified CFPB complaints, including repossession
- Why mortgage applications are denied, by state: first listed reason in 2025 HMDA data
- People who need credit but don’t apply: New York Fed survey by credit score. Small samples.
- Families with credit card debt: Survey of Consumer Finances, 1989 to 2025
- Money transfer and digital wallet complaints: unverified CFPB complaints, including fraud and scams
- Student loan balances: New York Fed quarterly totals, 2003 to 2026
- Court opinions mentioning the Fair Credit Reporting Act: a CourtListener list, not a complete count
- Mortgage complaints by issue and state: unverified CFPB complaints
- Student loan complaints by issue and state: unverified CFPB complaints
- Payday, title and personal loan complaints: unverified CFPB complaints
- Credit inquiries and new accounts: New York Fed quarterly counts
- CFPB complaints by company: unverified complaints, mostly about the three credit bureaus
- Bankruptcy filing rates by county: nonbusiness filings per 1,000 residents
- Store credit card APRs: Philadelphia Fed large-bank data
- Credit card APRs by issuer size: CFPB card plan survey
- Credit limits on new cards, by credit score: Philadelphia Fed large-bank data
- Non-mortgage interest Americans pay: BEA monthly data
- Credit card delinquency by age: New York Fed quarterly data
- Credit union credit cards: NCUA call report data by state and credit union
- Credit card utilization: how much of their limit accounts use
- Debt relief and credit repair complaints: unverified CFPB complaints
- Loan write-offs at public card and consumer lenders: SEC 10-Q data, Q2 2026
- Renters behind on rent: Fed household survey, 2025
- Auto loan delinquency by age: New York Fed quarterly data
- Student loan delinquency by age: New York Fed quarterly data
- Credit union auto loans: NCUA call report data by state and credit union
- Typical credit card balance: Philadelphia Fed large-bank data
- Total consumer credit: Fed G.19 by type and holder, with the Z.1 figure
- Prepaid card complaints: unverified CFPB complaints
- Medical debt and credit reports: state laws and bills: LegiScan, 2025–26
- Mortgage delinquency by state and metro area: CFPB National Mortgage Database
- Manufactured home loan denials: HMDA data by state, 2025
- Home improvement loan denials: HMDA data by state, 2025
- Credit card late fees: CFPB card plan survey
- Federal student loan debt by state: Education Department data
- Bank branch closings: FDIC data by state and bank
- Expected chance of missing a debt payment: New York Fed consumer survey
- Homes with a home equity loan, by state: Census ACS 2024
- Bill and account collectors by state: BLS jobs and pay data
- Federal student loans by repayment plan: Federal Student Aid portfolio data
- Parent PLUS loan debt by college: College Scorecard
- Mortgage rates on existing home loans, by state: FHFA National Mortgage Database
- Credit scores of new mortgage borrowers, by state: FHFA National Mortgage Database
- Medical debt: how many households owe: Census Bureau, 2024
- Earned wage access laws and bills: LegiScan, 2025–26
- Coerced debt laws and bills: LegiScan, 2025–26
- Bankruptcy means test median income by state: U.S. Trustee Program
- Bank failures by year since 2000: FDIC Failed Bank List
- Difficulty paying household expenses: Census Pulse survey, 2026
- FHA mortgage delinquency by credit score: HUD FHA loan performance report
- Chapter 13 bankruptcy outcomes by district: U.S. Courts BAPCPA data
- Chapter 7 filers: income, expenses and reaffirmations: U.S. Courts BAPCPA data
- Consumer credit lawsuits in federal court: U.S. Courts
- "Company closed your account" complaints: CFPB complaint database
- Household debt by country: Bank for International Settlements
- Consumer credit by generation and income: Federal Reserve Distributional Financial Accounts
- Is credit getting harder to get? Consumer perceptions: New York Fed Survey of Consumer Expectations
- Banks with the most auto loans: FDIC bank financial data
- New-car loan terms at finance companies: Federal Reserve G.19
- Bank overdraft and NSF fee revenue by bank: FFIEC Call Reports
- Student loans near default: Federal Student Aid portfolio data
- California payday loans: California DFPI annual reports
- Rent reporting laws and bills by state: LegiScan and state legislatures
- Older student loan borrowers: Federal Student Aid portfolio data
- Buy now, pay later laws and bills: LegiScan, state legislatures and Congress
- Family debt by type, 1989-2025: Federal Reserve Survey of Consumer Finances
- Are households better or worse off?: New York Fed Survey of Consumer Expectations
- Large student loan balances: Federal Student Aid portfolio data
- Servicemember and veteran CFPB complaints: CFPB complaint database
- Debt statute of limitations by state, and the CSV of those deadlines (CC BY 4.0)