The Main Takeaways

• The average credit score in the U.S. is 711 and has been on the rise for over a decade, even during the Covid-19 pandemic
• Older generations have a higher average credit score than younger generations
• Average credit score varies by state—Mississippi has the lowest and Minnesota has the highest

Average Credit Score by Age

older people are more likely to have lengthier credit histories. Therefore it shouldn’t come as a surprise that older people tend to have higher credit scores than their younger counterparts. The Silent Generation (75 years old) has an average FICO Score that’s a sizable 84 points higher than Generation Z (18-23 years old).

Average Credit Score by Location

The Southeast region of the U.S. has the lowest credit scores on average. Meanwhile, scores trend higher in the Midwest and Northeast of the country. Mississippi—at 675—is the state with the lowest average FICO Score. Minnesota held on to the top spot for another year with a FICO Score of 739.

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