Research

Get highlights from Experian's latest research to stay on top of trends so you can make smarter financial decisions.

Editors' picks

Woman choosing a new car with the help of a female dealership agent

Car Buyers and Credit: What Auto Financing Means for Credit Scores

By Chris Horymski

Nov 21, 2024

A cheerful senior man helping his mature son with moving to a new house

How Have Credit Scores for Mortgage Borrowers Changed?

By Chris Horymski

Oct 23, 2024

Happy mature couple sitting on a couch with popcorn while watching a movie

Survey: Consumers Juggling More Online Subscriptions

By Chris Horymski

Oct 18, 2024

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What others are reading

A man wearing a black shirt smiles at his phone and holds his credit card while sitting outside.

How Many Americans Have a Perfect 850 Credit Score?

The share of U.S. consumers with perfect credit scores grew in 2023 to 1.54%, according to...

By Chris Horymski

May 20, 2024

How Many Americans Have an 800 Credit Score or Greater?

By Chris Horymski

Apr 17, 2024

What Is the Average Credit Score in the US?

By Chris Horymski

Jan 28, 2025

Experian Study: Average U.S. Consumer Debt and Statistics

By Chris Horymski

Feb 14, 2024

Average US Mortgage Debt Increases to $252,505 in 2024

By Chris Horymski

Feb 28, 2025

Average Credit Card Debt Increases 3.5% to $6,730 in 2024

By Chris Horymski

Mar 3, 2025

Explore more topics

The latest from our experts

High Mortgage Rates Are Still Impacting Home Sales in 2025

Elevated mortgage rates mean persistently higher mortgage costs for prospective homebuyers...

By Chris Horymski

May 27, 2025

Survey: How Do Americans Plan to Use Their Tax Refund?

Every year, a large percentage of households receive tax refunds when they file their fede...

By Chris Horymski

Apr 10, 2025

The Most “Average” Cities in America (for Credit and Debt)

Normal, average, typical. Ordinary? Whatever you want to call it, it can be a useful measu...

By Chris Horymski

Feb 20, 2025

Experian 2024 Consumer Credit Review

2024 is noteworthy for a divergence in debt burdens, with some types of debt growing in si...

By Chris Horymski

Jan 30, 2025

Average Auto Lease Payment Climbs to $638, Slightly Less Than Loan Cost

The difference between average lease payments and average auto loan payments has narrowed ...

By Chris Horymski

Dec 4, 2024

Survey: How Consumers Feel About Holiday Shopping in 2024

A new Experian survey shows 56% of consumers are stressed about money during the holidays,...

By Karen Axelton

Nov 4, 2024

Adjustable-Rate Mortgage Trends in 2024

ARMs have traditionally been a way for home borrowers to obtain manageable monthly mortgag...

By Chris Horymski

Oct 23, 2024

Non-Mortgage Debt Balances Are Declining in 2024

In the face of a period of relatively higher rates of inflation, nationwide average loan b...

By Chris Horymski

Oct 23, 2024

Which Items Has Inflation Impacted the Most?

Many goods and services cost as much as 50% more today than five years ago due to inflatio...

By Chris Horymski

Oct 4, 2024

23 Cities Where Credit Card Balances Are Double the National Average

In this report, Experian identifies those cities where credit balances are more than doubl...

By Chris Horymski

Oct 4, 2024

Survey: Gig Workers Face Financial Challenges but Remain Optimistic

Only 36% of gig workers would describe their finances as good or excellent, while 45% said...

By Chris Horymski

Sep 27, 2024

Average Mortgage Balances Exceed $1 Million in 47 Cities in 2024

The number of cities where average mortgage balances exceed $1 million has mushroomed, fro...

By Chris Horymski

Sep 16, 2024

Research

Editors' picks

Car Buyers and Credit: What Auto Financing Means for Credit Scores

How Have Credit Scores for Mortgage Borrowers Changed?

Survey: Consumers Juggling More Online Subscriptions

Gen X, Millennials Pay More for Their Mortgages

Credit Card Balances Are Growing the Fastest in These 20 Cities

More Drivers Than Ever Are Making $1,000+ Auto Loan Payments

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What others are reading

How Many Americans Have a Perfect 850 Credit Score?

How Many Americans Have an 800 Credit Score or Greater?

What Is the Average Credit Score in the US?

Experian Study: Average U.S. Consumer Debt and Statistics

Average US Mortgage Debt Increases to $252,505 in 2024

Average Credit Card Debt Increases 3.5% to $6,730 in 2024

Explore more topics

The latest from our experts

High Mortgage Rates Are Still Impacting Home Sales in 2025

Survey: How Do Americans Plan to Use Their Tax Refund?

The Most “Average” Cities in America (for Credit and Debt)

Experian 2024 Consumer Credit Review

Average Auto Lease Payment Climbs to $638, Slightly Less Than Loan Cost

Survey: How Consumers Feel About Holiday Shopping in 2024

Adjustable-Rate Mortgage Trends in 2024

Non-Mortgage Debt Balances Are Declining in 2024

Which Items Has Inflation Impacted the Most?

23 Cities Where Credit Card Balances Are Double the National Average

Survey: Gig Workers Face Financial Challenges but Remain Optimistic

Average Mortgage Balances Exceed $1 Million in 47 Cities in 2024

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Research

Editors' picks

Car Buyers and Credit: What Auto Financing Means for Credit Scores

How Have Credit Scores for Mortgage Borrowers Changed?

Survey: Consumers Juggling More Online Subscriptions

Take action with these tools

Free Experian app

Experian Boost®

Experian Smart Money™

Experian BillFixer™

Best high-yield savings

What others are reading

How Many Americans Have a Perfect 850 Credit Score?

How Many Americans Have an 800 Credit Score or Greater?

What Is the Average Credit Score in the US?

Experian Study: Average U.S. Consumer Debt and Statistics

Average US Mortgage Debt Increases to $252,505 in 2024

Average Credit Card Debt Increases 3.5% to $6,730 in 2024

Explore more topics

The latest from our experts

High Mortgage Rates Are Still Impacting Home Sales in 2025

Survey: How Do Americans Plan to Use Their Tax Refund?

The Most “Average” Cities in America (for Credit and Debt)

Experian 2024 Consumer Credit Review

Average Auto Lease Payment Climbs to $638, Slightly Less Than Loan Cost

Survey: How Consumers Feel About Holiday Shopping in 2024

Adjustable-Rate Mortgage Trends in 2024

Non-Mortgage Debt Balances Are Declining in 2024

Which Items Has Inflation Impacted the Most?

23 Cities Where Credit Card Balances Are Double the National Average

Survey: Gig Workers Face Financial Challenges but Remain Optimistic

Average Mortgage Balances Exceed $1 Million in 47 Cities in 2024

Experian Boost^®