: This represents a two-point drop from the record high of 715 reached in 2023 and 2024.
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) average credit scores
: 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 : This represents a two-point drop from the
: Despite the slight decline, 713 remains firmly within the "Good" range (670–739), meaning most Americans still qualify for favorable loan terms. For over a decade, national averages rose steadily