: Recent hard inquiries and newly opened accounts. Scoring Models and Ranges
: The most critical factor; even one 30-day late payment can cause a significant drop. experian credit scores
: The variety of accounts, such as credit cards, mortgages, and auto loans. : Recent hard inquiries and newly opened accounts
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 such as credit cards
Scores are calculated using data from your Experian credit report based on five weighted categories:
: Includes total debt and credit utilization (percentage of available credit used).