The average credit score in the United States hovers around 715 as of September 2024, according to data released by credit bureau Experian. This figure is a crucial indicator of a consumer’s creditworthiness, influencing the interest rates and terms they can secure on loans and credit cards.

Understanding one’s credit score is a fundamental aspect of financial health, and knowing how it compares to the national benchmark provides valuable context. A score above the average can unlock more favorable financial opportunities, making it easier to obtain mortgages, auto loans, and other forms of credit with reduced costs.

Geographically, there are notable variations in average credit scores across the U.S. States in the southern region, such as Mississippi and Louisiana, tend to report lower average scores, generally falling between 680 and 690. This contrasts with states like Minnesota and Wisconsin, which consistently show higher average scores, reaching 742 and 738, respectively.

Experian’s latest data, released in August 2025, indicates that the national average has remained relatively stable, plateauing around 714 or 715 since 2021. This consistency suggests that while individual scores may fluctuate, the overall credit landscape has seen a period of steady performance, building on a gradual rise since 2011.

Recent analyses, including findings from FICO, suggest a slight decline in average U.S. credit scores since mid-2023. This trend is partly attributed to the expiration of pandemic-era payment pauses on student loans, leading to an increase in delinquencies. Future impacts on credit scores may also arise from potential changes in how medical debt and buy now, pay later programs are factored into credit reporting.

Beyond regional and economic factors, demographic trends also influence credit scores. Historical data from Experian has shown a slight disparity between men and women, with women on average holding less debt but possessing scores one point lower than men. Generational differences are also apparent, with older individuals typically exhibiting higher credit scores due to a longer history of credit management.

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Keywords: credit score average, national credit score, Experian credit data, credit score by state, FICO score trends, financial wellness, creditworthiness, credit utilization