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Market Pulse is a monthly podcast by Equifax, in partnership with Moody’s Analytics. Equifax hosts bring you interviews with industry experts on the latest economic and credit insights that can help drive better business decisions. Whether you’re in financial, mortgage, auto or another service industry, we help make sense of the latest economic conditions that impact you. This podcast series supplements our Market Pulse webinars, which occur on the first Thursday of each month.
Welcome to the Market
Pulse Podcast from Equifax,
where we break down the latest economic
and credit insights to help you navigate
today's business landscape.
Welcome to the Market Pulse Podcast.
I'm your host, Emmaline Aliff,
leader of the Equifax Advisory practice.
The Equifax advisors align strategy and
execution by translating economic and
industry trends into practical
data-backed insights and stories.
We equip executives with data-driven
narratives to make clear strategies,
clear strategic and tactical
decisions. In other words,
we don't just study the economy, we
operationalize it for a competitive edge.
And now I'd like to invite Moody's to
provide us with a macroeconomic update.
The US economy is showing
signs of weakness.
Employment fell in July after job growth
decelerated the two preceding months.
Retail sales also fell month over
month after decelerating in June.
At the same time, inflation remains hot.
Core CPE and CPI growing
3.3% and 2.5% year over year.
That has weighed on real income growth.
Real disposable incomes are up
only half a percent year over year.
Consumers are increasingly dipping
into savings to fund consumption,
and the saving rate is still
historically low at 3%.
Even with these headwinds,
real GDP growth is tracking
at 2.1% for the third quarter,
driven largely by the AI build out.
Another key development has been the
sharp run up in long-term interest rates.
The 10-year treasury yield is near 4.75%,
up more than 75 basis points since the
Iran war began in late February. The
30-year is close to 5.25%, the highest
since before the financial crisis.
About half of that move
traces directly to the war,
which flipped markets from pricing
Fed cuts to pricing heights.
Most of the rest is a
widening term premium.
The Fred under its new chair is saying
less and the treasury is issuing a flood
of debt to fund this year's
roughly $2 trillion deficit.
The AI build out ties in here too.
Hyperscalers have moved from
funding data centers out,
out of cash flow to
borrowing in the bond market.
The top 10 tech issuers sold rough,
roughly $250 million of bonds
over the 12 months through July,
up from 100 billion in 2024.
That's smaller than the deficit,
but it competes for the
same investor dollars.
All of this is already
weighing on the economy.
Mortgage rates are pushing
upward and housing is struggling.
The treasury has tried buybacks and yen
intervention and more Fannie and Fetti
MAC mortgage purchases to lean
against the rise with limited success
so far.
Our baseline sees the 10-year
easing back near 4.5% by fall
with roughly a one in five chance of a
more serious selloff over the next year.
So the same AI investment propping up
GDP is also part of what's pressuring in
the long end.
Thank you.
Now I'd like to invite, Maria Urtubey,
to come on and provide us with a
credit trends update from our last
Market Pulse webinar series.
And we're going to get into a little
bit more,dialogue related to the
economic and credit trending we've been
observing with respect to the shape of
the economy.
And then we also have a game for you
today called Headline or Hallucination.
Maria?
Thank you, Em.
Today we're digging into the latest Market
Pulse credit trends data from Equifax
and the state of the
consumer as of June 2026.
If you've been feeling like the industry
is in a distinct calibration phase,
the data confirms it.
We're seeing a controlled slowdown
across most debt segments.
We're going to walk through the hard
numbers and then bridge the data with the
insights you shared regarding how
you're navigating the headwinds.
As of June, the total US consumer
debt stands at 18.2 trillion,
reflecting a 2.1% year-over-year increase.
While growth continues,
this growth is cooling,
tracking below the 3.5% inflation
rate observed that month.
Breaking that down,
mortgage debt responsible
for 74% increased by
2.3%, revolving by 3% year over year,
and non-revolving debt is
up by 1.2%. What's telling,
however, is the behavior within those
segments. We're seeing a divergence.
Banker utilization is actually
down 2% year over year to
20.4%, which speaks to a cautious,
disciplined consumer. In contrast,
HELOCs are seeing
utilization up 6.2% to 43.2,
signaling that homeowners are increasingly
leveraging their equity to manage
cash flow in this environment.
HELOC balances have increased
by over 12.5% year over year.
Delinquencies present a mixed picture.
We're seeing a declining
pace for revolving products,
which is a positive signal,
but installment products are
showing more uneven performance.
Auto and personal loans show declines,
while first mortgages are
the notable exception,
increasing on a year over year basis,
though recently showing month over month
improvement. While the overall picture,
remains stable, subprime consumers,
those with scores below 620,
are facing higher pressure.
For first mortgages,
subprime delinquency sits at 14.6%,
more than 15 times the overall
portfolio delinquency rate.
That tells us the what, but your
perspective helps us understand the why.
We asked our audience,
"Which rising cost factor is currently
posing the greatest bottleneck to
your organization's mortgage
origination and portfolio performance?"
The results highlight a
multidimensional affordability crisis,
while 40.6% of you confirmed that
elevated interest rates are the
primary constraint,
a massive 35% pointed to
high debt-to-income ratios
driven by persistent inflation.
When you combine these,
it's clear that the affordability
in math is the number one hurdle.
Another 18.3% of you identified
rising property and insurance
premiums as a significant
drag. The data shows cooling,
but your responses show that this
is about the cumulative impact of
inflation and rates on the
household balance sheet.
How is the industry responding
to these credit trends? We asked,
"What is your organization's top
strategic priority for expanding borrower
capacity and managing credit costs
through the end of the year?"
The theme here is precision.
32% of you are prioritizing
automated income and employment
verifications, a clear move to
reduce costs and increase accuracy.
Beyond that, the focus is balanced.
23% are leaning into modern credit
models like Anthony Score four.
Another 23% are prioritizing
early warnings monitoring systems,
and 22% of you are integrating
non-traditional data like rent
and utility payments. It is
a clear strategic pi- pivot.
We're moving away from growth at
any cost to a model defined by high
fidelity data. To sum it up,
the June 2026 data shows us an
industry navigating a cautious consumer
and a complex rate environment,
but the strategy to overcome that is
becoming increasingly unified in building
the infrastructure to thrive in
a more precise credit landscape.
Thanks for tuning in and thank you for
contributing your insights into our
discussion.
In our role as Equifax advisors,
we review a lot of data on the state
of the economy and consumer finances,
but we also make a point of bringing
that data into the context of what's
actually happening out there in the
world and what's happening with the US
consumer. And in doing so,
we often come across reports and
stories that often seem hard to believe.
So we thought it would,
we could challenge ourselves
and you, our listeners,
to determine what is
believable and what is not.
So welcome to the inaugural
version of what we call Headline
or Hallucination. In this,
I'm going to share a news story with
some very interesting statistics,
and it's our challenge to determine
if that story I share is true or
not. Is it an actual headline
or is it a hallucination?
So let's dig in.
I will start off with a story that
I came across in investment news,
which according to a TD Bank
US Love and Money survey,
75% of poll participants said
they delayed at least one
major life milestone because of finances.
The top milestone listed as a deferred
goal is saving for retirement.
So let me ask you,
is this an actual headline or was
this one of my hallucinations?
I'll read it again and then discuss
amongst yourselves. So again,
according to a TD Bank
US Love and Money survey,
75% of poll participants said
they have delayed at least
one major life milestone
because of finances.
The top milestone listed as a deferred
goal is saving for retirement.
Headline or hallucination?
Hmm. I, I don't know. I guess
speaking personally, I'm
wondering if you may have changed one of
the aspects, like is it one milestone,
multiple milestones?
To me, it was more the 75% versus it
should still be above 50, but
that's what got me, you know,
questioning if it's true or false.
Well, the love in the
publication seemed odd, but -.
Love.
And money. Given that the,the
average savings,for retirement is,
I think I saw 50,
it was less than 100,000.
And I know that my daughter,
when presented enrolling in her first
job enrolling in a pension plan was like,
"Why do I need that for?" .
Why would I want to put aside money
for retirement? I'm still young.
I'm immortal. Yeah.
I have time. .
That's right.
I'm going to pull it back
to a data-driven approach.
If we think about the market
pulse index from Equifax,
we think about the middle,
the pivoting middle and the striver
population being maybe roughly 75%.
So I may go out on a limb and say we're
looking at a, not a hallucination,
a headline.
Yeah. Put a stick
in the ground and go on with his guess.
So let me now turn it over to
everyone else. Yeah. Maria, you,
you second that it's an actual
headline? Yes. Dave, how about yourself?
I'm going to say it's a headline as well.
All right. Em?
I for some reason, I think just,
just given the details of it
and the. It does sound logical,
and I know you're probably pretty
good at coming up with these,
so I'm going to go with hallucination
and go against the grain a little bit.
You're going to go against the grain. So
Em, you're right. It is a
hallucination, but I have to admit,
I played a little dirty on
our inaugural version of this.
It is true - I thought it would've.
It is true that 75% of poll participants
said they have delayed a major
life milestone because of finances. That
part was absolutely correct. Mm-Hmm.
But saving for retirement was actually
down in fourth place in terms of the top
milestones being deferred.
Can we, wait, can we guess? Can
we, can we guess the, the top?
Sure. Sure. Okay. All right.
Okay. You partial credit
if you get this part right.
All right. I'm going house, kids,
college. I'm going to go travel.
Am I exempt from this part of the
game because I got it right? .
You.
Hey, this is an opportunity for bonus
points. Bonus points. Okay. Yeah. I -.
, so I already had an A+, so let's
go, let's go for extra credit.I would
say home.
Okay. So -.
Yeah. Did someone else
say home already too?
So Jesse said buying a house.
Amend my, amend my
choice and say marriage.
The top item people say that they
need to defer is paying down debt.
According to an article
in investment news,
paying off debt topped the
list of deferred goals at 23%,
followed by travel,
Dave, before you changed.
Your answer. Wow.
Third place was buying a car or a home.
17% of respondents said that.
And saving for retirement was
fourth at 15%. Mm. Interestingly,
the same article referenced other
findings from the Love and Money survey,
including that 59% of respondents
have felt scared or embarrassed
discussing finances with their partner,
and that 30% of Americans admitted to
hiding a purchase or financial decision
from a spouse, partner, or family member.
The items people conceal include
things like having a large credit card
debt, gambling habits,
and even secret bank accounts.
According to Mark Womack,
head of client experience at TD Bank US,
money isn't just influencing
financial decisions,
it's influencing relationship
dynamics. Mm. So I think Em,
you got the first one right.
You are the winner of our inaugural
version of Headline or Hallucination,
so well done.
Yeah, it's very
tied into the discussion
around affordability and the
shape that we're observing
in the economy.
Knowing that with respect to debt
as being a delayed perspective,
do we think some of the
affordability challenges are driven
by more spending, more inflation,
other things, or it, like,
because if someone is delaying debt, like,
what are some of the potential
things you're observing?
Emmaline, of all the things that
you said, I think I'm going to
add a fourth, which is
all of the above.You know,
I do feel like we're seeing debt increase
and that has a pronounced impact on
households, American households. We can
see that in the Market Pulse Index when
we look at the way that debt impacts the
striver population. I think
it's other things, too, though,
when we think about how wages impact
households. So wages have, have not,
you know, paced inflation.
We're seeing now that wages are,
or at least average wages are really
not keeping pace with inflation.
And so I think, you know,
those two combined can really show the
true impact that it has on a household,
especially those, you know,
those driver populations that are really
just struggling with, you know, the
next major spending point that could
potentially derail their movement forward
and really have them decide
whether or not they, you know,
they need to make a different decision
whether paying down debt or, you know,
or keeping their household budget afloat.
Yeah, when we think about inflation,
inflation and jobs, I'm going to come
to jobs in a second,
are the key indicators for whether or
not the Fed will change rates. But,
the part I want to hone in on a little
bit is because there's been a number of
things that we've, you know,
either been reading or even studying
ourselves with respect to the observation
of income, and we see that income has
been rising, and so there, you know,
there may be some indicators that is the,
expansion of the K-shaped economy
slowing in some ways because of income
increasing? So, like what is the
best way to examine that? Now,
maybe I don't know if someone
else wants to chime in there or.
Yeah, I mean, I think Jesse
made note that, you know,
while inflation is rising and
also, as you just pointed out,
income is rising, right?
Inflation, for the first time,
inflation is rising faster than
income. You know, previously,
we've been able to say, even though
inflation's rising, you know,
people's income is keeping, is
keeping pace with that. Now it's not. You
know, with inflation, you know, again,
I think, you know, we've seen reports
around consumption, right? So, you know,
how are consumers spending, and is
that rising or is that, you know,
is that a result of inflation or is
that really, or is that real growth?
I think some of the numbers have
shown that it actually fell.
But the other kind of component to
that, obviously, is savings rate. And,
the savings rate has actually
gone down from, you know,
kind of 1.6 billion down to 745 million.
And so I think that
combination where, you know,
those that, you know, are on the
thriving population with equity,
with a good balance sheet,
this is nothing to them.
It's really the middle and kind of
the bottom piece where, you know,
potentially I'm having to
make a decision on, you know,
am I going to buy that new thing
for my kid or am I going to try and
pay down debt?
I think there's also this
is a good time to remember what we've
often spoken about in terms of, you know,
when we're looking at
aggregate or average numbers,
and we talk about things holistically
about wages keeping pace with inflation or
not, or, you know, or going above it,
because we can easily
look at other, you know,
data feedbacks and,
and even look at things like median
and mean, and, you know, for,
for audiences who are trying to go back
to their high school math and remember
the, the difference between the two,
the median is the number at which point
half of the population is above it and
half of it is below it, the
mean is essentially the average.
And when we look at things
like what we're seeing now,
where particularly on the wealth side,
but even, you know, in some of the,
you know, wage numbers that we look at,
those two don't move in parallel
with each other, that the median,
may be, you know, moving in a
different way than the mean,
meaning that the people
that are moving up,
who are seeing their incomes increase,
are kind of skewing it, and that
people who aren't seeing, you know,
their numbers, their income move as
much are more apt to be feeling the
pinch of increasing inflation.
To tie that kind of into the debt then
that we're observing, because, you know,
we do, you know, expect if
inflation is up, you know,
where we may be seeing
rise in overall debt,
or more specifically rise
in delinquencies.And,
like what I'm interested
in understanding on that
is how that relates into the
experience of subprime, you know,
if someone is experiencing
subprime credit,or a
delinquency picture.Dave, like,
I know you've been doing
a bit of research in this.
Maybe you can you share some things that
you've seen around. I don't know, dude,
do you want to
go, what, is there an area you
think you want to focus on?
No, it's, you know, funny that you
mentioned that, because, you know,
we've gotten, you know, as a team,
we've gotten a lot of questions
around delinquency. You know,
my particular case was around those
with auto loans and really kind of where
that performance is and narrowing it
further down into how are consumers in
a
subprime situation repaying
their auto loans. And, you know,
what we've seen over
time is, you know, as the
wealth effect has benefited a lot
of Americans with upward mobility,
either continuing on the upward track
or from the middle moving upwards,
or even from the lower, you know,
striver population moving upwards,
there are those, so that
population has shrunk. The number,
the percentage of people in the
subprime category has decreased
over the last five to six years.
How would you define subprime?
Those with
limited access to wealth assets, a lower
credit score, as well as, you know,
financial mobility.
Yeah, I know I asked the question
a little tongue in cheek there,
with both of our
expressions, but, oftentimes
the industry will refer to subprime based
on credit score alone and our research
clearly indicates the
multidimensional view that,
and specifically when
we describe a striver,
it is that subprime experience.
Yeah, so just kind of closing
the loop there. So we've seen
a shrinking population. In that,
in that striver group, that
subprime classification,
but some of their performance
has gotten worse over time.
Interesting. Yeah, we
have talked about it,
but you've,
I know you've done a really
deep dive there and I find
that intriguing that it seems to be a
concentration of, effect of some kind.
And, I know we've been referring to that,
but that was one of the most clear
indicators that we've been observing with
respect to that. So who's
been looking at the top end
of the market? Because just
covering the subprime aspect there,
has anyone able to comment on the growing
wealth? 'Cause When we look at the,
like, you know, even things over the
last several months since some of the,
you know, global challenges and
conflicts and things like that,
we've observed the S&P 500
going up. And so, like,
can someone weigh in on that
and what that might indicate?
Em, I'm going to. I'm going to throw
your pendanticness back at you and say,
how are you defining top of the market?
Are you talking
about our strivers?
Fair point.
.
I want to know before I answer.
Yeah. I want to, . So,
so I want you to talk about the Thriver
population,and, and I think it's,
it is probably good to revisit,
like, why, w- what that, like,
why we're studying that so heavily,
how it relates to the market,
and then what you're seeing.
I could certainly jump in because that's,
that's near and dear to, you know,
my heart here.But we have recently, and
by recent I mean within
the last two quarters,
we seem to be seeing a slowing down of
that separation that we've been
noticing for quite a while,
for the last couple years, between the
top end and the bottom end. That's,
that's really been the defining
characteristic of the K movement, is,
is the increasingly wide
gap between populations that are moving
up and those that are moving down.
Over the last two quarters,
not that that has reversed,
but we seem to have
seen that slow down and,
and become a little more static,in
terms of that separation.
It's not a correction,
it's not, you know, the,
the K is closing or anything like
that, but,the, the top of the K,
the Thrivers, those, you know,
defined as having a Market
Pulse Index value of 80 or more.
That population is still very sound and
recognizing all of the benefits of
being in a strong financial position.
The Thrivers, the group
that had also been growing.
That was the group that was
increasingly struggling.
There we seem to be seeing
some leveling off. You know,
it's certainly too early
to pronounce it a trend,
but there is, you know,
some data showing that there is a slowing
down of that widening gap.
Emmaline and Tom, I think,
I think you guys bring up a great point.
Because it's really interesting when
we think about the conversation,
or at least the narrative that you've
heard over the last couple of weeks as
well as talking about the idea of
the K and the C and the different
letters that we use to
describe the economy.
It really helps to think of the,
the activity that we're seeing
in light of,you know, of where,
I guess not where, but what we're
looking at. So if you look at spend,
you can sort of get a different,thought
process.I think that's what's happening
when we're seeing a lot of these stories
come out about convergence. You know,
the idea that the top may not be spending
as much, the bottom has to spend more.
And I, I do think, I mean,
it brings up a good point of why
we look more broadly at maybe the
balance sheet, the consumer balance sheet,
not so much looking at a particular
component of balance sheet like spend.
So a good example would be, you know,
consumer action is,if you're
looking at just spend, yes,
I bought the same amount of groceries or
I bought more groceries than last year.
Okay, that means that
you're spending more.
Whereas if you maxed out your
credit card to buy those groceries,
there's sort of a different
dynamic there, you know,
really looking at the balance sheet.
So I do think it's important when we
think about the narrative that we build
around, whether it's a C or a K, to
really look at all the components,
which I think, Tom, you're alluding
to just when we look at, you know,
sort of each of the different
drivers of what helps a household.
I
really appreciate you unpacking that a
little bit more because it really helps
us understand what do you do about it,
and how do you actually take action?
And how do you make
decisions because, you know,
seeing all the things that we've observed,
it can create some additional
confusion or potential inaction,
especially when we're, we've
heard, like, over 80% of, I guess,
clients that we talk to are in a
position of wanting to have selective
growth, and so finding those, those
pathways are, are really,you know,
important to, to do.So I was at, you
know, speak, recently speaking at our,
you know, commercial innovation,
summit, which is, you know, I
guess as a group of partners and customers
that we work with through our small b
usiness and commercial division. And one
of the members there, you know, had
one of the board members had, you know,
asked me, they said, "With all these
changes that are occurring, like,
how should I know with respect to
when I should take action or not?".
I'll go kind of basics and say,
obviously, in order for business to move,
you have to have a plan
in terms of how you move,
and the more cumbersome that plan is,
the slower you may be able
to move. And, you know, so,
like, I talk to a lot of fintechs,
and they're very nimble in terms of how
they react positively and negatively to
the current market environment,
to how their loans are performing,
to how their business is growing.
And so, you know, taking that aside,
I would say, you know, looking at your
historical information and, you know,
and constantly benchmarking
and looking at your trends
and looking at forward indicators as
opposed to lagging indicators might be the
best way to act because if
you're looking at lagging,
you're probably too late.
What's an example of those indicators?
Delinquency is a lagging indicator.
We think about performance,
but delinquency is probably the
most prominent lagging indicator.
Somebody didn't pay me. Oh, my losses
are up. Well, it's too late already.
And even before getting
to the delinquency,
if you see changes in behaviors
such as higher utilization,
what we've been observing, for
example, in the HELOC sector,
which is very active, but
if that's maybe the norm,
just the household needs increasing that
or leveraging that equity, that's fine.
But keeping an eye on for how long
is this persisting that might be
the issue as well, those changing
behaviors.
I think, Emmaline
your question. So Dave,
Dave hit good, you know,
good highlight for lagging indicator.
Leading indicator can be what the consumer
tells us as well when we look at some
of the survey results that we
see. Are you interested in credit?
Are you looking for,
are you seeking credit,
looking at loan officer surveys
about what they're doing?
That can give a good forward look
at maybe the reaction to what
those households and those loan officers
are seeing on their balance sheet.
So the idea like I see a direction moving
or happening and then I'm reacting to
it by changing my strategy.
Those leading indicators could
then potentially kind of tell you,
this is the underlying, you know,
tempo or the tenor of the market. And,
then reacting from there.
So if I'm a lender,
I can watch what's happening with other
lenders and then I can also see what c
onsumers are doing or what their
intention is at least. And again,
it's intention, it's a survey,
but it's at least a decent
leading indicator as to - Yeah.
What consumers are saying,
they may do in the future.
Yeah. And related to that, Jesse, I
agree, getting that type of.
It's kind of a double-edged sword
to oftentimes when you're dealing
with that qualitative subjective,
you know, information,
it can lead you down the wrong paths,
but oftentimes it is the best
early indicator of things
that haven't shown up in
the data yet. Yeah,
even consumer sentiment reports,which
certainly can be driven emotionally by
headlines and, and other factors.
They can still shed insight into
things that consumers are happening
in their day-to-day lives that have
not yet shown up in the data. So if,
for instance,
households are starting to
struggle more with making their
day-to-day ends meet,
that will show up in surveys
oftentimes before it starts showing
up in the, certainly delinquencies,
but even utilization rates
as Maria was talking about.
So it's a fine line in terms of how
much weight to put into these different
sources, but they, you know,
are certainly worth monitoring.
I think that's interesting
that you bring up, Tom.
I think one of the things
that we also see in
data,
good example would be delinquency
as we know that there are there's
seasonality built into delinquency data.
We can see seasonal decreases in the,
this kind of the middle part of,
or the early middle part of the
year when we see tax returns.
And so kind of knowing your data,
it's something I always talk about a
lot when I talk about economic and,
and,credit data is really just being able
to understand the nuances of the data
and, and what are some of those things
you need to watch for and know before you
leverage that data. That's
a, you know, kind of a good,
good precursor to building any kind of
that data into your decision process.
I had the opportunity to speak at
the National,Foundation for Credit
Counseling,this week. And I
though, I though it was kind of,
you know, very interesting
with respect to,the,
the observations that,that they have,
because they're really people on the
ground working with individuals, you know,
I don't know if I would
call it like frontline,
but it's in essence in that direction
with respect to what they're observing
firsthand with respect to helping
to manage that, which really,
interestingly enough
ties in with,y ou know,
Tom's,headline or hallucination.
And one of the things that
they have is a forecast,
and their forecast it's called the NFCC,
National Foundation for Credit
Counseling, Financial Stress Forecast.
And they have seen that households
remain locked into a more sustained
period of elevated financial strain.
And they're clearly going to be working,
you know, closer with
the striver population.
And a lot of the things that we
talked about were resonating, very
heavily with them. And then, you
know, we can also hear some, you know,
in some conversations
we're in where there,
there may be,less awareness to some of
the other things that have been occurring
on the, on the bottom
end. So clearly there's a,
a broad,spectrum of
experience,that does exist.
And I think honing in
on,how to,either, you know,
work with individuals to help them
find the credit they need or to,,
or even to prevent the risk to an
organization is, is the way to go. Any,
final thoughts or commentary
before we close out?
Actually
just to layer into what
you were just saying,
in my research for the headline
or hallucination, you know,
I came across a lot of
really cool articles.
I could only use one.But one other
that I saw was, was actually
around another nonprofit
organization,credit
counseling,agency,that provided
some statistics in terms
of the growth of that.
And what I found interesting
is that,financial counseling
sessions have grown
over 143% since 2021.
So that in itself is an indication
of what consumers are feeling,
you know, in large scale around,
you know, the pressures of,
of affordability and their
own personal finances.
If the number of people actively searching
out, you know, credit counseling and,
and guidance on these personal
finance matters has grown that much,
then it's worth taking note.
Great. I think that's probably
all we have,time for today.
So I definitely want to thank
my panel: Maria, Dave, Tom,
and Jesse.I know there's a lot
of information that we covered,
and also I'd like to thank our
listeners. And, you know, again,
if there's anything we can
do, I hope to help you.
We can be reached at advisors@equifax.com.
I hope you enjoyed the topic.
Look forward to hearing your feedback,
specifically even around the headline
and hallucination,game that we,we
introduced this time.We look forward
to hearing from you and look forward to
seeing you on,Market Pulse and tuning
into our Market Pulse podcast. Thank you,
and I hope you have a
wonderful rest of the day.
The information and opinions provided
in this podcast are intended as general
guidance only and are subject
to change without notice.
The views presented during the podcast
are those of the presenter as of the date
this podcast was recorded and do not
necessarily reflect official positions of
Equifax.
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investor relations section at equifax.com.