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)

As of late 2025 and early 2026, the average FICO® Score in the United States sits at . 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 story of the "average" credit score in the U