U.S. Consumer Credit Market Increasingly Splitting Along a K-Shaped Path, TransUnion Research Finds

TransUnion released its Q1 2026 Credit Industry Insights Report, highlighting a K-shaped divergence in the U.S. consumer credit market where the riskiest and least risky tiers are shifting most significantly. The research shows super prime population growth and rising average balances, contrasting with non-prime consumers facing mounting debt-to-income ratios and financial strain despite continued access to credit.

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