Average Credit Scores 〈TESTED — 2027〉

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

: This represents a two-point drop from the record high of 715 reached in 2023 and 2024. 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. As of late 2025 and early 2026, 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 average credit scores