TransUnion reports 157 million consumers had credit cards in 2014.
Credit data firm will make scores available to those who sign up for credit tracking services.
Mortgage delinquencies set to drop to lowest point since Q3 2007.
Average loan balance rises from $16,694 to $17,090.
TransUnion reports rate of delinquent auto loans rises by 9% in the second quarter.
Younger consumers continue to have lower debt levels.
Borrowers under the age of 30 have the lowest mortgage delinquency rate of all borrowers.
More than half respondents say auto loans present the best opportunity for growth. Credit executives say regulatory burden is their biggest growth challenge.
Credit bureau also noted that auto loans are consumers' top payment priority in good times and bad.
Credit bureau finds homeowners who receive mortgage modifications more faithful on other loans even if they later default on the mortgage.