A hub for independent voices and hard truths
CONSUMER CREDIT CRISIS HIDING BEHIND MODIFICATIONS? THIS WILL LEAD INTO HOUSINGDelinquencies highest since '17. Student debt vertical. SLM masks with $1B "rescue" that failed. Structural rot or elite denial? You decide. $SLM $TLT Full expose: https://t.co/Jk0TkOddWi pic.twitter.com/IGBrQiR1i3 — 7 (@quantLR) …
Q4 2025 student loans transitioning to 90+ days delinquent surged to +14%, a level never seen before in history. pic.twitter.com/OIBZin9gx1 — Financelot (@FinanceLancelot) February 10, 2026 CREDIT CARD STRESS IS SURGING: 12.7% OF CREDIT CARD LOANS ARE NOW 90+ DAYS …
Roughly a million borrowers defaulted on their federal student loans late last year, with millions delinquent on their payments and sliding toward the same fate. That’s according to federal data and the latest Household Debt and Credit Report from the …
Both Fannie and Freddie report that serious delinquencies in multifamily are rising to multi year highs. 👇🏼 pic.twitter.com/BmgxaYA14C — Kalani o Māui (@MauiBoyMacro) January 15, 2026 Florida condo crash happening in real-time. Seller cut price to $256k. Back in 2022, …
#KeyTakeAwaysHistorical data from previous cycles (1990, 2001, 2008, 2020) suggests a consistent sequential breakdown in credit performance. • Record Threshold: Subprime 60-day delinquency at 6.65% is the highest level since data collection began in the early 1990s •… pic.twitter.com/j1nsuZZ9dZ — …
NY Fed: The share of households who think their financial situation will be better in a year matched a new 2-year low in Nov. Fewer than 26.5% of households expect their situation to improve. We were at this level in …
BREAKING: U.S. foreclosure rates surge 32% YoY. — Polymarket (@Polymarket) November 23, 2025 2025 is hitting Americans hard: – 2.2 million+ cars repo’d, heading toward a 3M record year. – 326,000 homes in foreclosure filings. – Commercial real estate drowning: …
🚨🚨🚨🚨🚨Why This Is Dangerous:– The CMBS delinquency surge shows credit deterioration = actual defaults!– The FDIC unrealized loss chart shows valuation deterioration/paper losses👇– Both stem from higher interest rates and falling asset prices, meaning the stress isn’t… pic.twitter.com/EXMXRBrJ9q — James …
The economy is booming, if you are the tow truck driver. 00:00 Car Repos Explode to New Highs 07:17 Use Vehicle Sales Just Crashed By 25% 08:58 Real Life Viewer Inflation Story 11:55 Why the Dollar is Worthless Today 17:54 …
Credit scores are collapsing faster than at any time since the Great Recession, and the warning lights are flashing across every corner of the economy. Millions are now falling behind on car loans, credit cards, and personal loans, revealing how …
Lowest hiring since 2009.Payroll growth has slowed to <0.1% MoM.Openings down 25% YoY.Wage growth still sticky at 3.8%. It’s the worst mix possible — weak labor, stubborn inflation. — Shashank Sindhe (@shashank_sindhe) October 13, 2025 WTF! Hiring just hit the …
https://qz.com/credit-scores-tank-record-student-loan-delinquencies Borrowers are falling behind on their student loan payments at a record pace — and their credit scores are suffering the consequences, a new report found. More than 10% of consumers with a student loan on their credit file …
They keep telling you the housing market is “stable,” but stability does not require this much scaffolding, this much manipulation, this much concealment, and the louder the reassurances become, the more you should question what exactly is being hidden under …
Housing is the foundation of the economy, and when it starts tipping downward, jobs, banks, and local economies feel it immediately. Hidden delinquencies in mortgages and corporate loans mean that a correction could hit like a hidden avalanche, catching lenders, …
So we’re near GFC on 90 day delinquencies on almost everything. The credit card and student debt are the most concerning. The mortgage numbers are fake due to loan modifications. It’s fraud basically. If the mortgage delinquencies were real they’d …
The share of credit card debt that is delinquent 90+ days reached 12.3% in Q2 2025, the highest since Q2 2011. This is just 1.4 percentage points below the all-time high. Furthermore, 5.0% of auto loans are now seriously delinquent, …
Picture 2008 again. The fear on screens. The system breaking. Now pause. The difference today is quieter and darker. The collapse arrives in data points, not alarms. Start with labor. The working‑age population between 25 and 54 is now shrinking …
by confoundedinterest17 I’ll feel a whole lot better when CMBS office serious delinquenies get below 10%. But serious delinquencies on office space is currently at 10.59%. The US Treasury yield curve is steepening. Office delinquencies are likely to rise in Los …
In the quiet hum of everyday life, a storm brews unnoticed. The United States stands at the precipice of a financial upheaval, with trillions in corporate and consumer loans maturing by 2026. These debts, once manageable under low-interest rates, now …
The latest data from the Federal Reserve Bank of New York reveals a troubling trend, borrowers are falling behind on payments at an accelerating rate. This is not just a temporary setback. It is a clear sign that financial stress …
Canadian 🇨🇦 cities by income needed to buy a home (March 2025): 1. Vancouver: $223,9002. Toronto: $211,3003. Victoria: $176,3004. Hamilton: $147,3005. Ottawa: $134,9006. Calgary: $118,6007. Montreal: $108,9008. Halifax: $94,6009. Edmonton: $93,70010. Winnipeg: $74,600 — Made In Canada (@MadelnCanada) May 27, …
BREAKING: US Consumer Confidence surges, exceeding expert predictions by double digits. pic.twitter.com/4mr4RdKGpq — Election Wizard (@ElectionWiz) May 27, 2025 Consumer Confidence 98.0, Exp. 87.1, Last 85.7 UMich's Marxism department: pic.twitter.com/YUTqms0uGT — zerohedge (@zerohedge) May 27, 2025 But now pay later …
Serious Credit Card Delinquencies rise to 12.31%, the highest level since 2011 🚨🚨 pic.twitter.com/KPm8CIdS04 — Barchart (@Barchart) May 15, 2025 Credit card delinquencies have surged to 12.31%, marking the highest level since 2011. The latest data from the Federal Reserve …
Credit Card and Auto Loan delinquencies. 👇🏼 Nothing to see here, move along. pic.twitter.com/MOj9KRtxpU — Kalani o Māui (@MauiBoyMacro) May 15, 2025 Student loan delinquencies are exploding—and that’s just the tip of the iceberg. With $18.2 trillion in household debt …
Total household debt just hit a record $18.2T, up $167B in Q1. This isn’t prosperity. It’s survival—fueled by credit. Households aren’t thriving. They’re borrowing just to stay afloat. pic.twitter.com/jvqIHKvews — Kurt S. Altrichter, CRPS® (@kurtsaltrichter) May 14, 2025 Total household …
BNPL: do you love it or hate it? 41% of users missed payments in the past year (LendingTree 2025), and with credit cards at 11.35% delinquency (Fed), it’s a lifeline for some, a nightmare for others. Now BNPL is being …
The pressure is not just building. It is bursting through the seams. More than 5,300,000 student borrowers are now in default. Another 4,000,000 are about to be hunted down when federal collections resume on May 5. These are not small …
The next crisis won’t look anything like 2008. That’s what makes it so dangerous. Back in 2008, the signs were clear. There was an obvious housing crisis and a collapse in banking. This time, it’s much more insidious, creeping into …
Expectations for Personal Finances drop to most bearish level in history 🚨🚨 pic.twitter.com/w7G2j4cmUP — Barchart (@Barchart) April 14, 2025 The % of borrowers at least 60 days late on their car payments has reached an all-time high 🚨 pic.twitter.com/Nl1sM8jVQg — …
