2025 TransUnion Debt Collection Industry Report
A data driven view of how the receivables industry is operating right now
The 2025 TransUnion Debt Collection Industry Report provides an industry wide, evidence-based view of how debt collection and receivables management are actually functioning across creditors, debt buyers, collection agencies, and debt collection law firms.
This report does not offer opinion or predictions. It measures current operating reality across the industry.
Operating margins continue to compress at the same time account volumes are increasing and are expected to continue rising over the next two years. That tension defines the environment professionals are navigating today.
Why this year matters more than prior editions
The 2025 findings confirm that the industry is no longer responding to temporary disruption. Structural pressure is now embedded across portfolios, operations, and cost structures.
Nearly two-thirds of surveyed organizations reported increased account volumes over the past twelve months. At the same time, many reported weaker collectability compared to prior years, continuing a trend that began in 2020. This combination of higher volume and lower yield is reshaping how organizations evaluate operating models, partners, and technology investments.
Looking forward, expectations reinforce this imbalance. Most respondents expect continued growth in account volumes, while only a small minority expect any meaningful decline. The data suggests that success is increasingly driven by how organizations manage scale rather than whether scale exists.
What the data reveals about operating pressure
The report quantifies pressures that have been widely felt but inconsistently measured.
Concern around data security has increased sharply and now ranks as the top operational risk across the industry. This concern is consistent across company sizes, indicating that cyber and data exposure are no longer viewed as issues limited to large organizations.
Cost pressure is also evident in spending priorities. Technology investment is now outpacing every other expense category, driven primarily by the need to improve productivity and protect margins rather than regulatory mandates. Despite these pressures, a majority of organizations still expect stronger financial performance over the next year, suggesting that firms adapting successfully are beginning to see measurable benefits.
Additional resource upcoming industry discussion on the 2025 findings
TransUnion and Receivables Info will be hosting a webinar focused on the findings and implications of the 2025 TransUnion Debt Collection Industry Report.
The session will build on the data presented in the report by discussing how industry leaders are interpreting the results and what the trends may mean for strategy, operations, and risk management.
The report is available now and provides the full data set that will serve as the foundation for the discussion.
Who this report is built for
This report is designed for professionals who need external benchmarks to interpret internal performance.
It is most relevant for leaders responsible for recovery strategy, compliance oversight, vendor management, technology investment, and executive planning across creditors, debt buyers, collection agencies, and debt collection law firms.
If your role requires you to explain results, justify investment decisions, or assess partner performance, this report provides the broader market context those conversations require.
About the research
The 2025 survey reflects increased participation from larger organizations and originating creditors, providing additional perspective on how scale and operating complexity influence outcomes.
Survey findings are supplemented with consumer credit and macroeconomic data to ensure results reflect both operational and external conditions.
Complete the form above to download the 2025 TransUnion Debt Collection Industry Report and access an evidence based view of how the receivables industry is operating today.
