Experian Credit Scores Direct

Experian credit scores, primarily FICO® Scores and VantageScore® models, are numerical representations of creditworthiness ranging from 300 to 850. As of September 2025, the average U.S. credit score was 713. Core Scoring Factors

: Recent hard inquiries and newly opened accounts. Scoring Models and Ranges experian credit scores

: Considers the age of your oldest and newest accounts. primarily FICO® Scores and VantageScore® models

: The variety of accounts, such as credit cards, mortgages, and auto loans. such as credit cards

: The most critical factor; even one 30-day late payment can cause a significant drop.

Scores are calculated using data from your Experian credit report based on five weighted categories: