Average Credit Score by Age (2026)
718
Average US FICO credit score across all ages
Summary
The average FICO credit score in the US is 718 in 2026 — a 'good' score. Scores climb steadily with age: 18-29 averages 681; 30-39 averages 706; 40-49 averages 715; 50-59 averages 723; 60+ averages 752. This pattern reflects longer credit histories (15% of FICO) and lower utilization at older ages.
Breakdown
Source
FICO / Experian· As of 2026-Q1
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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.