Score facts & stats

Question 1

The classic FICO credit score ranges from 300 to what maximum?

Accepted Answer

850. Most consumer lenders in the US rely on scores within this 300-to-850 range to judge creditworthiness.

Question 2

In one nationwide snapshot, about what share of Americans had a credit score between 700 and 850?

Accepted Answer

about 59%. A majority of scored Americans fall in the good-to-excellent range, though scores vary widely by age and income.

Question 3

On top of that 'invisible' group, about how many more Americans have credit records too thin or outdated to generate a score?

Accepted Answer

about 19 million. Together, credit-invisible and thin-file Americans number in the tens of millions.

Question 4

In April 2021, the average American FICO score reached what level, a record high at the time?

Accepted Answer

716. Average scores climbed for years, helped in part by reduced borrowing and missed-payment relief during the pandemic.

The basics