{"id":10989,"date":"2023-08-07T14:41:35","date_gmt":"2023-08-07T20:41:35","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=10989"},"modified":"2025-06-06T14:08:59","modified_gmt":"2025-06-06T20:08:59","slug":"average-credit-score","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/finance\/average-credit-score.html","title":{"rendered":"What is the average credit score in 2023?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"191\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/08\/image-28.png\" alt=\"\" class=\"wp-image-19797\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See\u00a0<\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Lexington Law\u2019s editorial disclosure for more information<\/em><\/a><em>.<\/em><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-adda8ec448019ee6462e1b451f91bb02\" style=\"background-color:#00204f\">The average credit score in the U.S. is 714. (Experian Q3 2022)<\/p>\n\n\n\n<p><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/fico-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">FICO<\/a> and <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/vantagescore.html\" target=\"_blank\" rel=\"noreferrer noopener\">VantageScore<\/a> are the most popular credit score models used in the industry, and both use scores ranging from 300 to 850. The average American credit score has been on the <a href=\"https:\/\/www.badcredit.org\/studies\/average-credit-score-by-age\/\" target=\"_blank\" rel=\"noreferrer noopener\">rise since the 2008 recession<\/a>, when the average credit score took a sharp drop due to defaulting loans.<\/p>\n\n\n\n<p>When looking at how your credit score compares to the average American\u2019s, there are many factors to consider. Credit reports are updated on a monthly basis, so the averages fluctuate from month to month. Additionally, lenders do not use national averages to determine what a good score is, but rather a <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-score-ranges\" target=\"_blank\" rel=\"noreferrer noopener\">range of credit scores<\/a>.<\/p>\n\n\n\n<p><strong>Key takeaways<\/strong>:<\/p>\n\n\n\n<ul>\n<li>The average FICO credit score is <strong>714<\/strong> as of Q3 2022.<\/li>\n\n\n\n<li>Minnesota has the highest average credit score at <strong>742<\/strong>.<\/li>\n\n\n\n<li>Mississippi has the lowest average credit score at <strong>680<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Credit score distribution in America<\/h2>\n\n\n\n<p>Americans\u2019 FICO credit score range shows that <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/what-is-a-good-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">over half of Americans<\/a> (67 percent) have a credit score between 670 and 850. These scores are considered good, very good and excellent. The 33 percent of Americans with a score under 670 may have difficulty being approved for loans and can expect to pay more with higher interest rates on credit cards and loans.<\/p>\n\n\n\n<table class=\"std-table\">\n    <thead>\n        <tr>\n            <th>Credit score range<\/th>\n            <th>Percentage of Americans<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n            <td>800-850<\/td>\n            <td>21%<\/td>\n        <\/tr>\n        <tr>\n            <td>740-799<\/td>\n            <td>25%\n<\/td>\n        <\/tr>\n        <tr>\n            <td>670-739<\/td>\n            <td>21%<\/td>\n        <\/tr>\n      <tr>\n            <td>580-669<\/td>\n            <td>17%<\/td>\n        <\/tr>\n       <tr>\n            <td>300-579<\/td>\n            <td>16%<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n<!-- partial -->\n  \n<\/body>\n<\/html>\n\n\n\n<p>Source: <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/what-is-a-good-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Average credit score by state<\/h2>\n\n\n\n<p>The U.S. <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/average-credit-score-by-state.html\" target=\"_blank\" rel=\"noreferrer noopener\">average credit score by state<\/a> varies drastically from a mid-prime credit score to a mid-nonprime score. This large variation is due to differences in population and open credit accounts. Overall Mississippi has the lowest average credit score of 680 and Minnesota has the highest average credit score of 742.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"927\" height=\"809\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/08\/image-29.png\" alt=\"\" class=\"wp-image-19798\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/08\/image-29.png 927w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/08\/image-29-768x670.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">States with the highest credit scores<\/h2>\n\n\n\n<p>The five states with the highest credit score averages all have an <a href=\"https:\/\/worldpopulationreview.com\/state-rankings\/median-household-income-by-state\" target=\"_blank\" rel=\"noreferrer noopener\">average income above $60,000<\/a>. These factors can contribute to higher credit scores by making it easier to make payments on time and borrow less overall. <a href=\"https:\/\/www.newyorkfed.org\/microeconomics\/hhdc\/background.html\" target=\"_blank\" rel=\"noreferrer noopener\">Federal Reserve Bank of New York d<\/a><a href=\"https:\/\/www.newyorkfed.org\/microeconomics\/hhdc\/background.html\">ata<\/a> also shows that the states with the top five highest credit scores have some of the lowest default rates under 7 percent.<\/p>\n\n\n\n<table class=\"std-table\">\n    <thead>\n        <tr>\n            <th>State<\/th>\n            <th>Average credit score\n<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n            <td>Minnesota<\/td>\n            <td>742<\/td>\n        <\/tr>\n        <tr>\n            <td>Vermont<\/td>\n            <td>736\n<\/td>\n        <\/tr>\n      <tr>\n            <td>Washington<\/td>\n            <td>735<\/td>\n        <\/tr>\n       <tr>\n            <td>Wisconsin<\/td>\n            <td>735<\/td>\n        <\/tr>\n      <tr>\n            <td>New Hampshire<\/td>\n            <td>734<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n<!-- partial -->\n  \n<\/body>\n<\/html>\n\n\n\n<p>Source: <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/consumer-credit-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">States with the lowest credit scores<\/h2>\n\n\n\n<p>With the exception of Texas, the five states with the lowest credit scores have average incomes under $55,000 a year. With a lower income, some households may be more reliant on loans and use credit to pay bills and make ends meet. The states with the lowest credit scores also have some of the highest delinquency rates, with credit card delinquencies over 8 percent.<\/p>\n\n\n\n<table class=\"std-table\">\n    <thead>\n        <tr>\n            <th>State<\/th>\n            <th>Average credit score\n<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n            <td>Mississippi<\/td>\n            <td>680<\/td>\n        <\/tr>\n        <tr>\n            <td>Louisiana<\/td>\n            <td>689\n<\/td>\n        <\/tr>\n      <tr>\n            <td>Alabama<\/td>\n            <td>691<\/td>\n        <\/tr>\n       <tr>\n            <td>Oklahoma<\/td>\n            <td>693<\/td>\n        <\/tr>\n      <tr>\n            <td>Texas<\/td>\n            <td>693<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n<!-- partial -->\n  \n<\/body>\n<\/html>\n\n\n\n<p>Source: <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/consumer-credit-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-average-credit-score-by-age\">Average credit score by age<\/h2>\n\n\n\n<p>The largest difference in credit score averages is apparent when comparing scores across each generation. With a difference of 81 points from Generation Z to the Silent Generation, it shows how much debt and <a href=\"https:\/\/www.lexingtonlaw.com\/education\/length-of-credit-history\" target=\"_blank\" rel=\"noreferrer noopener\">length of credit history<\/a> play into an overall credit score. Younger Americans, including millennials and Gen Xers, carry the <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/average-credit-card-debt-statistics.html\" target=\"_blank\" rel=\"noreferrer noopener\">most debt in the country<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"765\" height=\"827\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/08\/image-30.png\" alt=\"\" class=\"wp-image-19799\"\/><\/figure>\n\n\n\n<table class=\"std-table\">\n    <thead>\n        <tr>\n            <th>Generation<\/th>\n            <th>Average credit score\n<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n            <td>Gen Z<\/td>\n            <td>679<\/td>\n        <\/tr>\n        <tr>\n            <td>Gen Y<\/td>\n            <td>687<\/td>\n        <\/tr>\n      <tr>\n            <td>Gen X<\/td>\n            <td>706<\/td>\n        <\/tr>\n       <tr>\n            <td>Baby boomers<\/td>\n            <td>742<\/td>\n        <\/tr>\n      <tr>\n            <td>Silent generation<\/td>\n            <td>760<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n<!-- partial -->\n  \n<\/body>\n<\/html>\n\n\n\n<p>Source: <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/consumer-credit-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Average credit score by year<\/h2>\n\n\n\n<p>The average credit score in the U.S. (714) hasn\u2019t changed since 2021. However, the average score has increased by 21 points in the last decade. Here\u2019s how the average FICO score has progressed since 2010.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"869\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/08\/image-31.png\" alt=\"\" class=\"wp-image-19800\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/08\/image-31.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/08\/image-31-768x685.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What is a good credit score?<\/h2>\n\n\n\n<p>A <a href=\"https:\/\/www.lexingtonlaw.com\/education\/good-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">good FICO credit score<\/a> is generally anything above 670 (see chart below for more details). Anyone with a good credit score should not have difficulty applying for a loan with a competitive interest rate. Although there are slightly different distributions of credit score models, you can generally use the credit score range chart below to find out if your credit score is good.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Credit score ranges<\/h3>\n\n\n\n<ul>\n<li>Exceptional: 800 \u2013 850<\/li>\n\n\n\n<li>Very good: 740 \u2013 799<\/li>\n\n\n\n<li>Good: 670 \u2013 739<\/li>\n\n\n\n<li>Fair: 580 \u2013 669<\/li>\n\n\n\n<li>Poor: 300 \u2013 579<\/li>\n<\/ul>\n\n\n\n<p>Top-tier credit scores, categorized as exceptional, range from 800 to 850. Anyone with an exceptional score can expect to get the lowest interest rates offered in the industry and can often be preapproved for most loans. Obtaining an exceptional credit score can be difficult and may take years of responsible credit usage.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"805\" height=\"856\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/08\/image-32.png\" alt=\"\" class=\"wp-image-19801\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/08\/image-32.png 805w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/08\/image-32-768x817.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>Anyone with a credit score under 670 may be considered higher risk and could have difficulty getting approved for loans. However, even if you are on the lower end of the credit score range, you can still make positive changes and work to <a href=\"https:\/\/www.lexingtonlaw.com\/education\/improve-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">improve your credit score<\/a> over time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>How are credit scores used?<\/h2>\n\n\n\n<p>Credit scores are used to determine your eligibility for credit cards, mortgages, auto loans, and other financial products, like insurance.<\/p>\n\n\n\n<p>Credit scores are measured using borrowing information from your credit reports, such as your payment history, the number and types of accounts you have open and your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-utilization\" target=\"_blank\" rel=\"noreferrer noopener\">credit utilization<\/a> ratio. FICO and VantageScore, the main credit score models, use slightly different methodologies, but your credit scores across models should be in the same ballpark.<\/p>\n\n\n\n<p>You should <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-check-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">check your credit report<\/a> once a year for free from each of the three credit bureaus. It\u2019s possible to have an inaccuracy or unfair item on your report that affects your credit score. If you locate an error, you can challenge it with your creditor and the credit bureau.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>How do you raise your credit score?<\/h2>\n\n\n\n<p>If comparing your credit score to the national averages overwhelms you, don\u2019t worry, you can take steps to increase your score over time. Improving your credit does not have to be intimidating, especially when you have the right tools for the job. Here are some ways to work on your credit:<\/p>\n\n\n\n<ul>\n<li><strong>Pay any existing bills and bring past-due bills up to date:<\/strong> This can help guarantee that your payment history demonstrates to lenders that you have a track record of using credit responsibly.<strong><\/strong><\/li>\n\n\n\n<li><strong>Pay your credit card balance in full each month: <\/strong>Your credit utilization ratio will remain healthy if you pay the full amount on time. <strong><\/strong><\/li>\n\n\n\n<li><strong>Don\u2019t apply for new credit unless you absolutely need it: <\/strong>A hard inquiry is recorded on your credit report when you submit a credit application. If you frequently apply for more credit, your credit score will likely take a hit. <strong><\/strong><\/li>\n<\/ul>\n\n\n\n<p>Simply reading through your credit history will tell you what you need to work on to help your credit. Whether you need to <a href=\"https:\/\/www.lexingtonlaw.com\/education\/derogatory-marks\" target=\"_blank\" rel=\"noreferrer noopener\">address negative items<\/a> on your report or <a href=\"https:\/\/www.lexingtonlaw.com\/education\/improve-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">improve your borrowing practices<\/a>, there are resources out there that can help you. Contact our team if you\u2019re interested in learning more about Lexington Law\u2019s <a href=\"https:\/\/www.lexingtonlaw.com\/our-services\" target=\"_blank\" rel=\"noreferrer noopener\">credit repair services<\/a>.<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em>&nbsp;Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>According to Experian data, the average credit score in Q4 2022 was 714. How does your score stack up against the average?<\/p>\n","protected":false},"author":63,"featured_media":19797,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[534],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Average Credit Score in 2023 | Lexington Law<\/title>\n<meta name=\"description\" content=\"According to Experian data, the average credit score in Q4 2022 was 714. How does your score stack up against the average?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/average-credit-score.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the average credit score in 2023?\" \/>\n<meta property=\"og:description\" content=\"According to Experian data, the average credit score in Q4 2022 was 714. 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