disciplined underwriting standards 2026

The TransUnion 2026 Consumer Credit Forecast has arrived, bringing a reality check for borrowers worldwide. While total balances are projected to reach $1.18 trillion, the growth rate is hitting a decade-low of just 2.3%. This slowdown isn’t just about consumer spending; it’s driven by a strategic shift toward ‘disciplined underwriting.’ Our deep dive explains why lenders are tightening the leash and what you need to do to stay credit-worthy in a more restrictive market. Don’t get caught off guard—read the full analysis to secure your financial future!