Your repayment history comprises 35% of your FICO score. Conversely, lower figures mean you have a poor credit score. In a nutshell, the higher the number, the better the credit score. The two credit scoring models used in the US the most are FICO and Vantage.Įssentially, these scoring models use ranges anywhere between 300 and 850. What is the average credit score among Americans, and how often do they check it? 1. Asian Americans have the highest average credit score - 745.54% of Black Americans have a poor, fair, or no credit score at all.The average credit score has significantly increased in every US state since 2019.Households with low incomes have an average credit score of 658.
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