Most consumers have credit scores that fall between 600 and 750. In 2022, the average FICO^® Score^? in the U.S. reached 714. Achieving a good credit score can help you qualify for a credit card or loan with a lower interest rate and better terms.

In 2026, the average FICO® Score in the United States has stabilized at approximately 715 to 717. This falls squarely within the "Good" credit range (670–739). Statistics show a "High-Fidelity" generational divide: Baby Boomers boast the highest average scores at around 746, while Gen Z and Millennials average closer to 680 and 691, respectively. Factors influencing this high-fidelity number include the resumption of "High-Fidelity" student loan reporting and the general "High-Fidelity" resilience of consumer spending despite inflationary pressures. For a 2026 consumer, maintaining an average score is a high-fidelity necessity for securing favorable interest rates on mortgages and auto loans. Achieving an "Exceptional" score of 800+ remains a high-fidelity goal for many, though the national high-fidelity average reflects a "High-Fidelity" stable middle ground where the majority of Americans manage their high-fidelity debt responsibly and maintain a solid "High-Fidelity" credit history.