Debt Stress

The 60-Day Line

Debt Stress indicator

What is the current The 60-Day Line?

ACCOUNTS 60+ DAYS PAST DUE
3.03%

Equifax Monthly Credit Trends (Delinquency): 3.03% as of 2025-Q4. Source: Equifax Monthly Press Release.

Related signals confirming this trend
The Repo Line
5.6% ↑ Worsening
Measures serious delinquency as a share of outstanding auto loan balances
Debt Stress
Large vs Small Bank Credit Card Delinquency Spread
3.51 pts
Big bank cardholders default at rates their smaller peers never touch
Debt Stress
Delinquency Rate on Consumer Loans (ex credit card)
2.28% ↓ Improving
The quiet corner of consumer credit is easing back, but not all the way to normal
Debt Stress

Explore Further

📊 Consumer Debt Statistics 2026 → 🛟 Your Rights with Debt Collectors → 📖 What Is Credit Score? → 📖 What Is Credit Report? →

Is this happening to you?

Have any of your accounts gone 60 or more days past due?

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How has The 60-Day Line changed over time?

CSV Chart Card
The 60-Day Line over time
The 60-Day Line, percent
The 60-Day Line
Data: Equifax Monthly Press Release Updated Jun 2026

Most affected counties

Counties with the highest delinquency scores in the County Distress Index.

1 Coahoma County MS 99.5 2 Leflore County MS 99.4 3 Washington County MS 99.3 4 Williamsburg County SC 99.2 5 Clayton County GA 99.2 6 Yazoo County MS 98.6 7 Dillon County SC 98.5 8 Sunflower County MS 98.5 9 Dallas County AL 98.2 10 Marlboro County SC 98.1
Explore all 3,144 counties →
Historical data
Quarterly · Equifax Monthly Press Release
Period Value YoY Change
Q4 2025 3.03% −0.1 pts
Q4 2025 2.91% −0.2 pts
Q4 2024 3.16% —
Q4 2024 3.09% —
Q3 2024 3.01% —

Frequently Asked Questions

What is Equifax Monthly Credit Trends (Delinquency)?

Debt Stress indicator

Why does Equifax Monthly Credit Trends (Delinquency) matter for financial distress?

Equifax Monthly Credit Trends (Delinquency) is one of the indicators tracked by the American Distress Index (ADI), which measures five dimensions of U.S. household financial distress: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Changes in this indicator contribute to the overall distress picture.

Where does the Equifax Monthly Credit Trends (Delinquency) data come from?

This data comes from Equifax Monthly Press Release. More information: https://www.equifax.com/newsroom/. The American Distress Index updates this indicator quarterly.

Ross Kilburn
Written by

Ross Kilburn, Founder

American Default Research · Seattle, Washington
𝕏 @

Two decades working directly with financially distressed American households — from property preservation in 2003, to negotiating over 1,000 short sales during the Great Recession, to foreclosure defense marketing today. Author, The Ark Law Group Complete Guide to Short Sales (Auroch Press, 2013). Twice named to Puget Sound Business Journal Fast 50 for Ark Law Group. B.A., University of California, Berkeley, 1992. Founded American Default Research in 2026 to fill a gap in public data that had been empty since 2013.

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Why does The 60-Day Line matter?

The 60-Day Line is one of 98 live indicators tracked by American Default Research. The methodology page explains sources, update cadence, and how the index uses its published inputs.
View methodology →
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