Average Credit Score by Age
By The Dime Daily Editorial Team · Published June 2025 · Updated September 2026
Skip the fluff — TL;DR
Average FICO score by age: 2025 data
Experian's analysis, published March 30, 2026, reports scores measured in September 2025. Ages are as of 2025. Publication in 2026 does not make these 2026 measurements.
September 2025 · FICO scale: 300–850 · The Dime Daily
Five independent group averages, not a trend line. Exact values appear in the accessible table below. Source: Experian.
| Age in 2025 | Generation | Average |
|---|---|---|
| 18–28 | Gen Z | 678 |
| 29–44 | Millennials | 689 |
| 45–60 | Gen X | 709 |
| 61–79 | Baby boomers | 747 |
| 80+ | Silent Generation | 760 |
What these averages do—and do not—mean
An average summarizes a group; it does not show the spread of scores within that group or where you rank. People of the same age can have very different credit histories. These figures are not approval cutoffs, age-adjusted score bands, or a promise of particular rates.
The CFPB explains that a credit score predicts how likely you are to repay a loan on time. You have more than one score: the model, version, credit bureau information and calculation date can differ. Lenders may consider income, debt and other application details as well as a score.
Why older groups may have higher scores
Older adults may have longer credit histories and more established payment records, but age itself is not a FICO scoring factor. Comparing age groups at one point in time does not prove that age causes higher scores. Good results are not automatic.
According to FICO's primary scoring explainer, the general categories are payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%). Their importance varies by credit profile. Utilization is part of amounts owed—not the entire 30% category.
How to use the comparison
A 700 FICO Score is in the Good range (670–739), regardless of your age. Being above your group's average does not guarantee approval. Ask which score a lender uses rather than assuming your monitoring app shows that same score.
- Compare the same model and bureau over time. Learn how often credit scores update.
- Review your reports for errors, pay bills on time and manage revolving balances. Our guide to rebuilding credit covers practical next steps.
- If something changed unexpectedly, investigate why your credit score dropped instead of using an age average to diagnose it.
- Consider fees, spending risk and your overall finances before keeping or closing an account. Browse the credit score hub for more context.
💰 Dime's Take
Sources
- Experian: What Is the Average Credit Score in the U.S.? Published March 30, 2026; September 2025 measurements.
- CFPB: What is a credit score?
- FICO: What's in my FICO Scores?