TransUnion Sales VP Brad Deja is in the studio this month to talk shop!

Josh starts by highlighting signs of a stabilizing market, including a slower decline in loan originations and the return of prime and below prime card issuance to pre-pandemic levels.

Brad inquires about market expectations for Q1, noting a number of consumers are still struggling with inflation. Craig explains why he believes consumer credit health is evening out despite these challenges.

When asked about the continued decline in originations, Josh attributes this to issuers’ caution — while also pointing out positive demand signs in higher credit tiers.

The conversation then shifts to current trends in card balances and utilization; Brad wonders whether delinquencies have peaked yet; and finally, Craig notes the most pertinent fraud challenges facing lenders today.

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