Average Credit Scores -

: The drop is largely attributed to a rise in missed payments and higher credit card balances as consumers grapple with increased costs of living. What Is the Average Credit Score in the US? - Experian

: This represents a two-point drop from the record high of 715 reached in 2023 and 2024. average credit scores

: Despite the slight decline, 713 remains firmly within the "Good" range (670–739), meaning most Americans still qualify for favorable loan terms. : The drop is largely attributed to a

As of late 2025 and early 2026, the average FICO® Score in the United States sits at . : Despite the slight decline, 713 remains firmly

The story of the "average" credit score in the U.S. is one of gradual climbing followed by a recent, cautious dip. For over a decade, national averages rose steadily as consumers improved their financial habits, but recent economic headwinds like inflation and high interest rates have finally stalled that streak. The National Snapshot (2025–2026)