This dataset contains information derived from a random sample of deidentified, consumer-level records from a major credit bureau. The credit bureau data are from February 2022 and August 2024 and contain more than 5 million records in 2022 and 10 million records in 2024. Credit card delinquencies are defined as the share of people with credit records that have credit or charge card debt and are 60 or more days delinquent on these bills.

Data are reported at the state and county levels for the 50 states and Washington, DC. In the dataset, missing and unavailable values are noted with “NA.” Some values are missing because no data are available. Others are missing because credit bureau metrics are not reported when they are based on fewer than 50 people. For estimates of county-level changes in credit card delinquencies between February 2022 and August 2024, we suppress counties with few people with delinquencies. For small-population counties, estimates of changes in credit card delinquency rates may be more variable over time.

We estimate the number of people with credit card delinquencies by taking the population of adults older than 18 from the 2018–22 American Community Survey and adjusting by the share of adults who have a credit record and the share of consumers with a credit card. Among this adjusted population, we estimate the number of people who have a credit card delinquency using the delinquency rate. We assume that 89 percent of US adults in all states and counties have a credit record based on Consumer Financial Protection Bureau estimates of credit invisibles. We use state- and county-specific rates for the share of consumers with a credit card and for credit card delinquency rates to estimate number of people for each geography. For counties with fewer than 50 people estimated to have a credit card delinquency, we label observations “< 50.” We do not report the estimated number of people with delinquencies at the county level for Connecticut because the US Census Bureau implemented significant changes to county boundaries for Connecticut in 2022, and our credit bureau data provider has not yet updated these boundaries.