About PulseCredit

Household financial stress builds quietly and then breaks suddenly. By the time delinquencies spike in a quarterly report, the strain has been accumulating for months. Risk, policy, and macro teams need one defensible instrument that combines where delinquency is heading, how sensitive it is to the labor market, and where consumers are already shouting — early enough to act.

PulseCredit turns three authoritative public feeds into that instrument: a forecast of credit-card delinquency with an honest confidence band, an unemployment-shock scenario model, and a complaint-anomaly early-warning layer — every number traceable to its source, every limitation stated plainly, including where the forecast falls short.

Who it's for

Consumer-credit risk officers, bank and fintech portfolio analysts, macro and rates strategists, financial-stability and consumer-protection policy teams, and economics researchers who need a fast, auditable read on U.S. household credit stress.

About the author

PulseCredit is part of a five-product data portfolio by Jean-Luc Saint-Fleur, spanning housing, financial services, healthcare, retail, and transportation & climate. Each product pairs a real business problem, credible public data, a defensible analytical method, and an executive-ready interface — and is honest about what the data can and cannot support.