Your FICO score has long determined whether you could get a mortgage, car loan or credit card. That could change soon.

Discover how average credit scores vary by generation, with a detailed breakdown for Gen Z, millennials, Gen X, baby boomers, ...

Explore how Equifax, Experian, and TransUnion collect and use financial data to create your credit report, influencing your credit score and lending decisions.

The average U.S. credit score is 715, according to FICO's Score Credit Insights, which examined data from April 2025. That's still in the "good" range, but it represents a two-point drop ...