Scores — Average Credit

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

: Despite the slight decline, 713 remains firmly within the "Good" range (670–739), meaning most Americans still qualify for favorable loan terms. average credit scores

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) : This represents a two-point drop from the

: 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 is one of gradual climbing followed by a

As of late 2025 and early 2026, the average FICO® Score in the United States sits at .