{"id":14586,"date":"2023-10-12T14:54:21","date_gmt":"2023-10-12T18:54:21","guid":{"rendered":"https:\/\/cleanlist.ca\/?p=14586"},"modified":"2024-11-01T10:20:12","modified_gmt":"2024-11-01T14:20:12","slug":"canadian-consumer-delinquency-rates-fall","status":"publish","type":"post","link":"https:\/\/dev.presshero.co\/cleanlistnew.ca\/canadian-consumer-delinquency-rates-fall\/","title":{"rendered":"Canadian Consumer Delinquency Rates Fall"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"14586\" class=\"elementor elementor-14586\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e76f179 e-flex e-con-boxed e-con e-parent\" data-id=\"e76f179\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55cec2b elementor-widget elementor-widget-text-editor\" data-id=\"55cec2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">October 13, 2023<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Cleanlist observed a further decline in collection activity this past quarter. Its proprietary collection data shows fewer Canadians received collection letters in their mailboxes in the just-closed third quarter.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">A decline in collection activity over the summer months is expected (when consumer priorities are engaged elsewhere). But this reduction in collection activity also follows lower consumer delinquency rates reported in Q2 by TransUnion; less delinquency = less collection activity. Maybe Canadians are getting their financial houses in order?<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">According to TransUnion\u2019s <a href=\"https:\/\/www.transunion.ca\/lp\/iir?utm_campaign=int-ca-23-f146520+canada+q2+23+ciir&amp;utm_content=landing-page&amp;utm_medium=press-release&amp;utm_source=press-release#contact-us\">\u2018<\/a><\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.transunion.ca\/lp\/iir?utm_campaign=int-ca-23-f146520+canada+q2+23+ciir&amp;utm_content=landing-page&amp;utm_medium=press-release&amp;utm_source=press-release#contact-us\">Q2 2023 Credit Industry Insights Report\u2019<\/a><\/span><span style=\"font-weight: 400;\">, Q2 delinquency rates in Canada have fallen 3.05% (from 1.57% in Q1 to 1.52% in Q2).\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Although delinquency rates are up year-over-year, there are a few reasons behind this recent decline. With the current interest rates and economy, lenders have become more cautious, ensuring borrowers can handle their obligations, effectively reducing delinquency rates.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c4fdedd e-flex e-con-boxed e-con e-parent\" data-id=\"c4fdedd\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-262ba93 elementor-widget elementor-widget-text-editor\" data-id=\"262ba93\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h5><b>Understanding delinquency rates\u00a0<\/b><\/h5>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b59cd22 e-flex e-con-boxed e-con e-parent\" data-id=\"b59cd22\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29be7a3 elementor-widget elementor-widget-text-editor\" data-id=\"29be7a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Delinquency rates refer to the percentage of borrowers who are behind on their scheduled payments for credit products such as credit cards, loans, or mortgages. A lower delinquency rate suggests that a smaller portion of borrowers are struggling with their debt obligations, which is generally considered a positive sign for the economy and individual financial well-being.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b478ae e-flex e-con-boxed e-con e-parent\" data-id=\"8b478ae\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce002f2 elementor-widget elementor-widget-text-editor\" data-id=\"ce002f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h5><b>The impact of delinquency rates on collection activity in Canada\u00a0<\/b><\/h5>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-530166b e-flex e-con-boxed e-con e-parent\" data-id=\"530166b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fa5871 elementor-widget elementor-widget-text-editor\" data-id=\"1fa5871\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Canadians, like citizens of any other country, rely on credit products to manage their finances, and monitoring delinquency rates is a key indicator of financial health. In recent years, Canada has witnessed a cyclical rise and fall of delinquency rates, which has significant implications for the volume of collection activity.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-327076f e-flex e-con-boxed e-con e-parent\" data-id=\"327076f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8073b5c elementor-widget elementor-widget-text-editor\" data-id=\"8073b5c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h5><b>Impact on Collection Activity<\/b><\/h5>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5265f5 e-flex e-con-boxed e-con e-parent\" data-id=\"a5265f5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8489d02 elementor-widget elementor-widget-text-editor\" data-id=\"8489d02\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">As delinquency rates decrease, the volume of collection activity is likely to be affected in several ways.\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is a reduced need for collections with fewer individuals falling behind on their payments. Companies may find less need to engage in debt collection efforts.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financial institutions and companies may shift their focus from collections to <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/dev.presshero.co\/cleanlistnew.ca\/optimizing-data-for-business-solutions\/\">customer retention and support<\/a><\/span><span style=\"font-weight: 400;\">. This can result in more personalized assistance to help borrowers stay on track, reducing the need for collection letters.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collections are a costly process for financial institutions. Lower delinquency rates mean reduced operational costs associated with debt recovery efforts.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Falling delinquency rates with credit products in Canada have a substantial impact on the volume of collection letters being sent to Canadians. It&#8217;s crucial for both lenders and borrowers to adapt to these changing dynamics, promoting responsible borrowing and financial well-being for all parties involved.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Stay tuned as this story unfolds. Cleanlist will continue its reporting, driven by the data it accumulates and analyzes.\u00a0\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9c83d7 e-flex e-con-boxed e-con e-parent\" data-id=\"a9c83d7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-efbccc9 elementor-widget elementor-widget-text-editor\" data-id=\"efbccc9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><i><span style=\"font-weight: 400;\">by Sarah Lightfoot, Cleanlist Product Manager<\/span><\/i><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca70c6e e-flex e-con-boxed e-con e-parent\" data-id=\"ca70c6e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ec73a2 elementor-widget elementor-widget-text-editor\" data-id=\"8ec73a2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>About the data:<\/b><span style=\"font-weight: 400;\"> The data presented in this report was summarized from Cleanlist\u2019s proprietary collection activity database and TransUnion\u2019s Q2 2023 Credit Industry Insights Report. To learn more about the data or for additional information, contact <\/span><a href=\"mailto:sales@cleanlist.ca\"><span style=\"font-weight: 400;\">sales@cleanlist.ca<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>October 13, 2023 \u00a0 Cleanlist observed a further decline in collection activity this past quarter. Its proprietary collection data shows fewer Canadians received collection letters in their mailboxes in the just-closed third quarter. \u00a0 A decline in collection activity over the summer months is expected (when consumer priorities are engaged elsewhere). But this reduction in [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":23202,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[82],"tags":[],"vertical":[80],"topic":[],"solutions":[102,105],"class_list":["post-14586","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-release","vertical-collection-agencies","solutions-consumer-data-lists","solutions-letter-mailing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Canadian Consumer Delinquency Rates Fall - Cleanlist<\/title>\n<meta name=\"description\" content=\"Cleanlist&#039;s proprietary collection data shows fewer 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