Quick Answer
Average FICO scores in the United States have trended in the high-600s to low-700s over recent years, with VantageScore distributions running similarly.
Key Takeaways
- Average FICO is commonly reported in the 710–720 range.
- Distribution skews - many consumers cluster above 740.
- Scores vary substantially by age cohort.
Why Averages Mislead
The distribution of credit scores is bimodal - many consumers cluster at the high end and a meaningful minority at the low end - making the average less informative than the distribution.
Frequently Asked Questions
Where do these statistics come from?
Most consumer credit statistics referenced in educational material are drawn from publications by FICO, the Federal Reserve, and the CFPB.