Delinquencies should finish the year at 0.75%, then drift up to 0.85% by year-end 2019.

Of the six underlying consumer debt categories, four remain well off their highs while two account for the overall growth.

Consumer debt levels are becoming more manageable.

Those who obtain credit cards early in life tend to be better credit risks in the long-term.

Most loan applications are antiquated and burdensome, mobile expert says.

Forecast also says credit card delinquency rates will remain relatively low throughout next year.

Seasonal factors that affect the auto loan delinquency rate include back to school needs and holiday purchases.

Consumers who default only on their mortgages are better risks than those with multiple delinquencies.

In the first half of 2012 credit unions reported improving financial results.

Nationwide mortgage delinquency rate dropped nearly 9% during the first half of 2012.