What is the average credit score?
The average FICO Score in the U.S. is in the mid-710s, which lands in the 'Good' range (670–739). VantageScore averages run a few points lower. Averages have trended upward over the past decade and rise steadily with age — older consumers score highest.
The average FICO and VantageScore
Experian reports the average U.S. FICO Score sits in the mid-710s — squarely in the 'Good' band (670–739). The average VantageScore typically runs a few points lower because the two models weight some factors differently, but both land in the same general range.
Averages rise with age
- Younger consumers (under ~30) tend to score below the national average — shorter credit history and higher utilization weigh on the score.
- Middle-aged consumers cluster near the national average.
- Older consumers (60+) score highest, often in the 'Very Good' range, on the strength of long, well-managed histories.
Where you stand
Scoring at or above the mid-710s puts you at or above the typical American. The practical milestones matter more than the average, though: most lenders' best pricing begins around 740–760, and 800+ is the top 'Exceptional' tier.
The numbers
- The average U.S. FICO Score is in the mid-710s — within the 'Good' range (670–739). — Experian
- Payment history (35%) and amounts owed (30%) are the two largest scoring factors. — CFPB
- FICO's bands: Poor <580, Fair 580–669, Good 670–739, Very Good 740–799, Exceptional 800–850. — myFICO
Key takeaways
- The average U.S. FICO Score is in the mid-710s — the 'Good' range.
- VantageScore averages run a few points lower; same general band.
- Scores rise with age; older consumers average highest.
- Best lender pricing usually starts at 740–760, above the average.
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