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![onechancefreedm Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1448432122881101826.png) EndGame Macro [@onechancefreedm](/creator/twitter/onechancefreedm) on x 39.9K followers
Created: 2025-07-18 17:48:35 UTC

At first glance, a XXX average FICO score still looks healthy but context tells a different story. The last time we saw a meaningful dip in credit scores like this was during the 2008–2010 financial crisis, when unemployment spiked, credit markets froze, and households were drowning in mortgage and consumer debt. Today’s slight drop from XXX to XXX might seem small, but it’s arriving after years of artificial support: pandemic stimulus, paused student loans, and broad forbearance programs that delayed defaults. Now that student loan payments have resumed, savings are thinning, credit card debt is at record highs, and delinquencies are quietly creeping up. FICO scores are lagging indicators, they hold steady until the financial cracks are too wide to ignore. If the job market softens or credit conditions tighten further, this could be the early warning sign that the household balance sheet is under real stress again.

![](https://pbs.twimg.com/tweet_video_thumb/GwKGeg5XQAIESB0.jpg)

XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946265859476918303/c:line.svg)

**Related Topics**
[cnbc](/topic/cnbc)
[debt](/topic/debt)
[credit scores](/topic/credit-scores)
[dip](/topic/dip)
[macro](/topic/macro)
[endgame](/topic/endgame)

[Post Link](https://x.com/onechancefreedm/status/1946265859476918303)