报告称美国消费者正感受到通货膨胀和利率的压力

Core Insights - The overall FICO score in the U.S. has slightly decreased by approximately 2 percentage points due to inflation and rising interest rates affecting consumer affordability and leading to financial strain among borrowers [1] - The percentage of the population with FICO scores between 600 and 749 is projected to decline from 38.1% in 2021 to 33.8% by 2025 [1] - The most significant decline in scores is observed among Generation Z adults, primarily due to student loan pressures [1] - The report indicates that the student loan delinquency rate has reached a historical high, with over 10% of 21 million customers having overdue student loans [1] - Despite the challenges, many consumers still maintain good credit status, with average credit scores remaining close to historical highs [1] - Average FICO scores are considered a lagging indicator of credit health, suggesting that future average scores may face various risks [1]