What Is the Average Credit Score in America in 2026?
By CreditGM · Last updated July 2026 · 5 min read
Understanding where you stand relative to the national average can help you set realistic goals and understand what lenders see when they pull your credit. Here is the latest data.
Average Credit Scores in 2026
| Measure | Score |
|---|---|
| National Average FICO Score | 714 |
| Millennials Average | 690 |
| Gen X Average | 709 |
| Baby Boomers Average | 745 |
| Gen Z Average | 680 |
What These Numbers Mean for You
If your score is below 714, you are below the national average. If it is below 670, you are in the fair credit range where rates are higher and approvals are harder. If it is below 580, you are in the poor credit range where many lenders will deny you outright.
The good news: the average person with poor credit who works with CreditGM sees meaningful improvement within 3-6 months. Many reach the 670+ good credit range within that timeframe.
How to Get Above Average
The fastest path above the 714 average: dispute and remove inaccurate items, reduce credit utilization, and add positive payment history consistently.
Get your free CreditGM analysis and find out exactly what it will take to get you above the national average.
CreditGM is a CROA-compliant credit repair company in Scottsdale AZ. Bilingual specialists in English, Spanish and French. All content reviewed for accuracy.
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