Monthly Archives: February 2013

Consumer Delinquency Trends and our Sleep-Premium Theory

Equifax Canada reported in late January that Canadians are paying off their debts faster with accounts more than 3 months in arrears dropping to an all-time record low. Delinquencies greater than 90 days were down to 1.19 percent in the fourth quarter of 2012 versus 1.22 percent in the third quarter. Delinquency rates as a […]

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