Average Credit Score by Age
Enter your FICO score and pick your generation to see the official FICO band you fall in and how you compare to your generation's average — and the national average — per Experian's 2025 Consumer Credit Review.
How you compare
Your score vs. the official FICO ranges
💳 Check your credit before you apply
Compare cardsWhy credit scores climb with age
FICO scores weigh payment history, amounts owed, length of credit history, new credit, and credit mix. Length of history can only increase over time, and older generations have had more years to build a track record of on-time payments and pay down balances — which is why average scores step up from Gen Z through the Silent generation.
That doesn't mean age itself matters to your score. A 25-year-old with a long, clean credit history and low balances can easily beat the Gen Z average, and a Good (670+) score is a good score at any age.
How it’s calculated & sources
We place your score on the official FICO scale (300–850) and compare it to your selected generation's average and the national average, both from the same source.
Benchmark: average FICO score by generation, Experian 2025 Consumer Credit Review; FICO score ranges per FICO.
Results update as you type and are general information, not a substitute for pulling your own credit report or score.
Worked example
A score of 720 falls in the Good FICO band (670–739) — 31 points above the Millennial average of 689, and 5 points above the 715 national average.
Common mistakes
- Assuming a score below your generation's average is automatically "bad" — it may still land comfortably in the Good or Very Good band.
- Confusing your FICO score with a "credit report," which contains the underlying account details the score is calculated from.
- Not checking that all three bureaus (Experian, Equifax, TransUnion) show similar scores — scores can differ slightly between them.
Where it is used
- Sizing up loan or credit-card approval odds and likely interest rates before applying.
- Tracking progress after a credit-building or debt-payoff plan.
- Understanding what "Good" or "Excellent" credit actually means in FICO terms.
Frequently asked questions
Why do credit scores rise with age?
Length of credit history is one of the biggest FICO factors, and it can only grow with time. Older generations have also had more years to build a track record of on-time payments and to lower their credit utilization, which pulls their average scores up.
What dropped Gen Z scores in 2025?
Per Experian's 2025 Consumer Credit Review, the resumption of federal student-loan payments after the SAVE repayment program wound down hit younger borrowers' scores, since missed or late payments on newly-due student loans show up directly on credit reports.
Is my score good for my age?
Age isn't part of the FICO formula, so a Good, Very Good, or Exceptional score (670+) is a good score at any age — it's just statistically more common among older generations. If you're younger and above your generation's average, you're ahead of the curve.
How many people have a score of 800 or higher?
Experian tracks the share of consumers in the Exceptional (800+) range each year in its Consumer Credit Review, and it's grown over time as more borrowers reach longer credit histories. We haven't listed a specific percentage here since we don't have a verified figure to cite — check Experian's published report for the latest breakdown.
Does checking my own score hurt it?
No — checking your own score or report is a soft inquiry and does not affect your FICO score, no matter how often you do it. Only hard inquiries from lenders when you apply for new credit can cause a small, temporary dip.