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Chris Horymski

Chris Horymski

Chris Horymski leads Experian Consumer Services' data research program, utilizing internal data to highlight insights in credit and personal finance. Chris uses his background as a data journalist to publish research articles that expose how consumers' credit and personal finances change over time.

Expertise: Personal finance, credit scores, banking, credit cards, mortgages, economics

Experience: Prior to Experian, Chris wrote for LendingTree, Consumer Reports and SmartMoney Magazine.

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Popular articles from Chris

A man wearing a black shirt smiles at his phone and holds his credit card while sitting outside.

How Many Americans Have a Perfect 850 Credit Score?

The share of U.S. consumers with perfect credit scores grew in 2023 to 1.54%, according to...

May 20, 2024Research

How Many Americans Have an 800 Credit Score or Greater?

Apr 17, 2024Research

What Is the Average Credit Score in the US?

Jan 28, 2025Research

Experian Study: Average U.S. Consumer Debt and Statistics

Jan 29, 2025Research

Average US Mortgage Debt Increases to $252,505 in 2024

Mar 12, 2025Research

Average Credit Card Debt Increases 3.5% to $6,730 in 2024

Mar 12, 2025Research

Latest articles from Chris

Americans’ Average Monthly Debt Payment Increases to $1,237 in 2025

Overall, U.S. consumers send an average of $1,237 each month to their various creditors. T...

Jun 11, 2025Research

High Mortgage Rates Are Still Impacting Home Sales in 2025

Elevated mortgage rates mean persistently higher mortgage costs for prospective homebuyers...

Jun 4, 2025Research

Median Home Values by State

California and Hawaii lead the nation in median home prices, both exceeding $750,000 in ea...

Apr 24, 2025Research

Average Auto Loan Debt Grew 2.1% to $24,297 in 2024

Drivers owed $1.53 trillion on auto loans as of Q3 2024, according to Experian data. The a...

Apr 24, 2025Research

Survey: How Do Americans Plan to Use Their Tax Refund?

Every year, a large percentage of households receive tax refunds when they file their fede...

Apr 16, 2025Research

HELOC Balances Surpass $45,000 in 2024

Millennials and Generation X are tapping more of their home equity than other generations ...

Mar 27, 2025Research

The Most “Average” Cities in America (for Credit and Debt)

Experian identified eight cities in the U.S. that approximate the national average, at lea...

Feb 24, 2025Research

Experian 2024 Consumer Credit Review

2024 is noteworthy for a divergence in debt burdens, with some types of debt growing in si...

Jan 30, 2025Research

Average Auto Lease Payment Climbs to $638, Slightly Less Than Loan Cost

The difference between average lease payments and average auto loan payments has narrowed ...

Dec 4, 2024Research

Car Buyers and Credit: What Auto Financing Means for Credit Scores

62% of consumers have at least some sort of car loan as of Q2 2024, according to Experian ...

Nov 21, 2024Research

Adjustable-Rate Mortgage Trends in 2024

ARMs have traditionally been a way for home borrowers to obtain manageable monthly mortgag...

Oct 23, 2024Research

How Have Credit Scores for Mortgage Borrowers Changed?

Fewer than half of households under age 35 owned their own place in 2023, an even lower pe...

Oct 23, 2024Research

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